Shopping for car insurance by comparing rates online saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can compare every possible rate.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The best way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Auto insurance rates for your 2008 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the payout to repair may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which can provide discounts that lower premiums.

Auto liability insurance

This can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your resulting 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. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible 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 cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.