Finding cheaper auto insurance through online rate quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to compare rates from all companies so you can get the lowest rate quotes.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. Lowering your can be surprisingly simple. You just need to take a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2008 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

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 costs to repair will push premiums up. But newer vehicles may have a trim level with safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may give discounted rates.

Auto liability

This can cover injuries or damage you cause to people or other property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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 vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.