Comparing auto insurance online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is getting rates from all providers so you can compare every company's rates.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But relax because comparing prices is actually very simple. Getting lower is not rocket science. The only thing you need to do is invest a little time to get quotes online from several insurance companies. This can be done by visiting this page.

Auto insurance rates paid to insure a 2008 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• Annual mileage can affect rates
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2008
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair may end up costing you more. But new models may have a trim level with safety features including a telematics system, adaptive cruise control, and anti-lock brakes that may help provide discounts that lower premiums.

Liability coverage

This provides protection from damage that occurs to a person or their property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must 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 older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.