Drivers have lots of options when buying insurance for your vehicle. You can buy direct from a local agent or go online to compare rates from many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The recommended way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Auto insurance rates for a 2008 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2008 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so repair costs tend to be lower which may result in lower rates. On the flip side, newer vehicles may have a trim level with safety features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help lower rates.

Auto liability - This coverage can cover damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This coverage covers damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible 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. You can also bump up the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays for 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 highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.