Comparing auto insurance on the web is simple to do, in addition you can save money. The critical component is getting rates from as many companies as possible in order to have all your choices.

Using the web to shop for auto insurance direct can be complicated if you have never used quoting online. Don't let that stop you because it's actually quite easy. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2008 can be significantly different subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Better credit means lower rates
• Your location impacts rates
• High miles vs. low miles
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the payout to repair may end up costing you more. But newer vehicles may have safety features including automatic crash notification, anti-lock brakes, and a backup camera that may help lower rates.

Liability car insurance

2008 liability coverage can cover injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.