You have many choices when comparing insurance rates on your vehicle. You can either buy through an insurance agent or price shop online to check prices from companies. Finding cheaper car insurance by quoting online is simple to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you have never used online quotes. But relax because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. One of the best ways to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2008 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the costs to repair can decrease annual premiums. But newer vehicles have more advanced features including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can give discounted rates.

Liability coverages - 2008 liability coverage can cover injuries or damage you cause to a person or their property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - This covers damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.