You have lots of choices when insurance shopping for your vehicle. You can get prices from an insurance agent or get quotes online to compare insurance costs of insurance carriers. Shopping for auto insurance by getting online quotes saves time, is easy to do and at the same time you may find lower rates.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quotes. But relax because we're going to show you how. Cutting your can be relatively painless. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine your insurance rates?

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

• High performance increases premiums
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older models so the costs to repair can inflate annual premiums. On the flip side, newer vehicles have more advanced features like a telematics system, all-wheel drive, and adaptive headlights which can help offset higher rates.

Liability - This can cover damages or injuries you inflict on a person or their property by causing an accident. 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 - Collision coverage covers damage to your from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive or Other Than Collision - This 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.

UM/UIM Coverage - This provides protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance - 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 cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state and may carry a deductible.