Comparing car insurance online saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can compare every option.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes and find the best price. The quickest method to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Insurance premiums for your 2008 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so the payout to repair may end up costing you less. Although new models have more advanced features included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can provide discounts that lower premiums.

Liability coverage

This provides protection from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available but can be used in place of medical payments coverage.