You have lots of choices when comparing insurance rates on your vehicle. You can either buy through a local agent or price shop online to compare rates from companies. Comparing auto insurance by quoting online is simple to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to get quotes online with multiple companies. This can be done by comparing rates here.

What influences the rate you pay?

Auto insurance rates for a 2008 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the payout to repair will push premiums up. Conversely, new models may have a trim level with safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may lower rates.

Liability coverages - 2008 liability coverage provides protection from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2008 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.