Finding cheaper car insurance from online rate quotes is easy, plus you can save money. The key is to take the time to get rates from as many companies as possible in order to have the best prices.

Consumers who are new to the process of buying insurance may think purchasing cut-rate 2008 insurance is more work than they want to put in. There are several ways to compare rate quotes and find the best price. One of the best ways to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Car insurance premiums for your 2008 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2008
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair will push premiums down. Although new models may have safety features included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can lower rates.

Liability insurance - Liability insurance provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.