Comparing car insurance through online rate quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to compare rates from all companies in order to accurately compare the lowest prices.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes from car insurance companies in your area. The easiest way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums on a 2008 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2008
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the cost to replace them may end up costing you less. But newer models may have safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

Auto liability - This protects you from damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision - This coverage pays for damage to your resulting from a collision with another car or object. 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.