Buying car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is to take the time to get rates from all companies in order to have every possible rate.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The best way to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Auto insurance rates on a 2008 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• The number of annual miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, new models may have a trim level with safety features like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can lower rates.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2008 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.