Buying auto insurance by comparing rates online is easy and there is a good chance you will probably save money. The key is to get rates from all companies so you can get the lowest priced insurance.

People who are new to shopping for insurance may think finding low-cost 2008 insurance is going to be difficult. Getting better can be quick and easy. Just take time comparing rates from different insurance companies. This can be accomplished by completing this short form.

Insurance rates on a 2008 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2008
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so repair costs are higher which may result in higher rates. But newer vehicles may have options including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which may give discounted rates.

Auto liability insurance - Liability insurance can cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2008 can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.