You have lots of choices when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or go online to check prices from lots of different providers. Finding cheaper car insurance through online providers can be fast and easy and at the same time you may find lower rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies selling insurance. The are a couple different ways to compare quotes from different insurance companies. The best method to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Insurance premiums on a 2008 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2008 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them may result in lower rates. Conversely, newer models have more advanced features such as all-wheel drive, a telematics system, and autonomous braking that may help give discounted rates.

Liability auto insurance - This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - This pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2008 can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance - Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.