Shopping for car insurance by getting online quotes saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare all your choices.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these things

Car insurance premiums for a 2008 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 2008
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may end up costing you less. But new models may have safety features including traction control, tire pressure monitors, a collision avoidance system, and a telematics system which can help offset higher rates.

Liability

This provides protection from damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2008 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. 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 kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.