Finding cheaper auto insurance from online rate quotes is easy, plus you can save money. The key is to get rates from as many companies as possible so you can get every company's rates.

Consumers who are new to the process of buying insurance may think finding cut-rate 2008 insurance is more work than they want to put in. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Car insurance premiums for your 2008 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2008
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may result in higher rates. Although more recent vehicles may have safety features included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance which may give discounted rates.

Liability insurance

Liability insurance will cover damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.