Comparing car insurance by getting online quotes is easy and at the same time you can save money. The key is to compare rates from as many companies as possible so you can get the cheapest rate quotes.

Beginners to comparison shopping may think buying cut-rate 2008 insurance is nearly impossible. There are several ways to compare rate quotes from local car insurance companies. The recommended way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Car insurance premiums for your 2008 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair will push premiums down. On the flip side, new models may have safety features like anti-lock brakes, adaptive headlights, and adaptive cruise control so those may give discounted rates.

Liability - Liability insurance provides protection from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.