You have lots of choices when shopping for car insurance for your vehicle. You can get prices from an agent or go online to compare pricing from lots of different providers. Buying car insurance through online providers can be fast and easy and at the same time you can save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes from local car insurance companies. By far the easiest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Car insurance premiums for your 2008 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2008 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Being married can lower rates
• Special coverage such as replacement cost
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have safety features like forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may provide discounts that lower premiums.

Liability auto insurance

This coverage will cover damages or injuries you inflict on other's property or people in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.