Finding cheaper auto insurance by comparing rates online can be fast and easy and at the same time you might just save a little. The most important part is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of auto insurance companies vying for your business. Finding lower can be quick and easy. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Auto insurance rates for a 2008 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. On the flip side, newer models may have a trim level with safety features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Auto liability insurance - This coverage protects you from damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This pays for damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 2008 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply 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 ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.