Finding cheaper auto insurance by getting online quotes can be fast and easy, plus you might just save a little. The most important part is to get as many rate quotes as possible so you can get the best prices.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by these factors

Auto insurance rates for a 2008 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2008
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. On the flip side, newer models may have a trim level with safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may give discounted rates.

Liability - This coverage protects you from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverages - This pays for damage to your caused by collision with a stationary object or other vehicle. 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.