You have lots of choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or go online to compare insurance costs of multiple insurance companies. Finding cheaper car insurance on the web can be fast and easy and at the same time you will probably save money.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The easiest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance rates paid to insure a 2008 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 2008 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Young drivers cost more
• Being married may save money
• Special coverage such as replacement cost
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so the costs to repair may result in lower rates. Conversely, more recent vehicles may have options such as pedestrian detection, active head restraints, and a backup camera which can help offset higher rates.

Liability car insurance - This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision - This will pay to fix damage to your from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive car insurance - This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.