Comparing car insurance through online companies saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to compare rates from all providers so you can get the lowest priced insurance.

Using the web to shop for car insurance direct is challenging if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes and find the best price. The best method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine the rate you pay?

Insurance rates paid to insure a 2008 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. Although more recent vehicles may have options included like tire pressure monitors, traction control, and adaptive cruise control so those may give discounted rates.

Coverage for liability - This will cover damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.