Comparing car insurance on the web saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible so you can compare the lowest rate quotes.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. By far the easiest way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Auto insurance rates for a 2008 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which may end up costing you less. On the flip side, more recent vehicles may have a trim level with safety features like a telematics system, blind-spot warning system, and sideview assist mirrors so those may provide discounts that lower premiums.

Liability car insurance

This will cover injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a 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 vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive car insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.