You have many choices when trying to find low-cost insurance for your vehicle. You can either contact a local agent or price shop online to compare insurance costs of multiple companies. Buying auto insurance online is simple to do, in addition you might just save a little.

Shopping online for auto insurance can be complicated if you have never used online rate quotes. Don't let that stop you because comparing prices is actually very simple. Getting lower is not rocket science. The only thing you need to do is invest a little time to get quotes online with multiple companies. This can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2008 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the payout to repair will push premiums up. But newer vehicles may have a trim level with safety features including a telematics system, adaptive cruise control, and anti-lock brakes so those may help offset higher rates.

Liability coverage

2008 liability coverage can cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.