Comparing car insurance by comparing rates online is simple to do and at the same time you might just save a little. The critical component is to take the time to get as many rate quotes as possible in order to have all your choices.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The fastest way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Auto insurance rates for a 2008 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Your location impacts rates
• How many miles you drive
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. On the flip side, more recent vehicles may have a trim level with safety features like a backup camera, dual-stage airbags, and an advanced theft deterrent system which can lower rates.

Auto liability insurance

2008 liability coverage will cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2008 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.