There are many options when shopping for car insurance for your vehicle. You can either buy through an agent or go online to compare rates from lots of different providers. Shopping for auto insurance through online providers can be fast and easy and there is a good chance you can save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Lowering your is surprisingly easy. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance premiums for your 2009 can vary widely depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your age
• Whether you are married
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them can inflate annual premiums. But newer models may have safety features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can lower rates.

Liability auto insurance

This coverage protects you from damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.