Comparing car insurance through online companies is easy and at the same time you can save money. The key is getting rates from all companies so you can get the lowest prices.

Beginners to comparison shopping may think shopping for low-cost 2008 insurance is difficult. There are several ways of comparing rates from different insurance companies. The easiest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact car insurance premiums?

Car insurance premiums on a 2008 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them will push premiums down. Conversely, newer vehicles may have safety features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help give discounted rates.

Coverage for liability - Liability insurance can cover damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision - This coverage covers damage to your resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2008 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.