Buying car insurance from online companies can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from as many companies as possible in order to accurately compare the lowest prices.

If you're new to shopping for car insurance online, you may be confused by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways of comparing rates from different insurance companies. The easiest way to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your 2008 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• The deductible you choose
• NTSB crash rating for your vehicle
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so the payout to repair may result in lower rates. Conversely, newer vehicles have more advanced features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system so those may help offset higher rates.

Liability coverage - This coverage can cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - Collision insurance covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.