Drivers have lots of options when insurance shopping for your vehicle. You can buy from a local agent or go online to compare pricing from insurance carriers. Shopping for car insurance by getting online quotes can be fast and easy, plus you might just save a little.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these things

Auto insurance rates for your 2008 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2008 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair may result in lower rates. But new models may have a trim level with safety features including a telematics system, all-wheel drive, and adaptive headlights so those may provide discounts that lower premiums.

Liability - This coverage provides protection from damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a 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 vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.