Comparing car insurance by getting online quotes is simple to do and at the same time you might just save a little. The critical component is to compare as many rate quotes as possible so you can compare the best prices.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. One of the best ways to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What influences the rate you pay?

Auto insurance rates for a 2008 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have a trim level with safety features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may provide discounts that lower premiums.

Liability - 2008 liability coverage can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverages - This coverage covers damage to your caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2008 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.