Drivers have lots of options when attempting to insure your vehicle. You can either buy through an agent or get quotes online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes saves time, is easy to do, plus you can save money.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. The fastest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by the following

Car insurance premiums for a 2008 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so repair costs tend to be lower which may end up costing you less. On the flip side, newer vehicles may have safety features like traction control, tire pressure monitors, a collision avoidance system, and a telematics system so those may lower rates.

Liability

This can cover damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Auto collision coverage

This covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2008 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.