Buying auto insurance by getting online quotes is easy, in addition you will probably save money. The key is to take the time to get rates from all providers so you can get the cheapest rate quotes.

People who are new to comparing rates may think purchasing affordable 2008 insurance is nearly impossible. Finding lower can be relatively painless. You just have to spend a little time comparing rates from different insurance companies. This can be accomplished by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2008 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so repair costs are higher which can inflate annual premiums. But newer vehicles may have options including anti-lock brakes, adaptive headlights, and adaptive cruise control which can give discounted rates.

Liability - Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - Collision insurance covers damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.