You have lots of choices when looking for the best insurance on your vehicle. You can get prices from a local agent or get quotes online to check prices from a lot of auto insurance companies. Comparing auto insurance through online companies saves time, is easy to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer to get quotes online from several insurance companies. This can be done by completing this short form.

What factors determine your insurance rates?

Auto insurance rates paid to insure a 2008 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the costs to repair can inflate annual premiums. But new models may have a trim level with safety features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can give discounted rates.

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.