Comparing auto insurance from online rate quotes is easy and at the same time you might just save a little. The key is getting rates from as many companies as possible in order to accurately compare the best prices.

Beginners to comparison shopping may think shopping for cut-rate 2008 insurance is more work than they want to put in. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates for your 2008 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which may end up costing you more. Although more recent vehicles may have a trim level with safety features included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help help offset higher rates.

Liability insurance - Liability insurance will cover damages or injuries you inflict on other's property or people. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverages - This coverage will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.