You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from many different companies. Shopping for car insurance from online companies saves time, is easy to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The simplest method to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors determine car insurance premiums?

Insurance premiums on a 2008 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the cost to replace them may end up costing you less. But newer models have more advanced features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

Liability coverage

This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as large an amount as possible.

Coverage for collisions

Collision coverage pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2008 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.