Buying car insurance by comparing rates online can be fast and easy and at the same time you may find lower rates. The most important part is to get as many rate quotes as possible in order to have every company's rates.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare rate quotes from different insurance companies. The simplest method to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Insurance premiums for a 2008 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• How many miles you drive
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so repair costs tend to be lower which may result in lower rates. Conversely, new models have more advanced features such as blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which may lower rates.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in. 2008 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.