You have lots of choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or get quotes online to compare insurance costs of multiple insurance companies. Comparing auto insurance on the web saves time, is easy to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be done by getting a quick quote here.

What factors determine your insurance rates?

Insurance premiums for a 2008 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Being married may save money
• Special coverage such as replacement cost
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the costs to repair can inflate annual premiums. Although newer vehicles have more advanced features included like a telematics system, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability car insurance - This can cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverages - This coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2008 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive auto insurance - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.