Finding cheaper car insurance from online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is to get as many rate quotes as possible in order to accurately compare all your choices.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The fastest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence ?

Auto insurance rates for a 2008 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. Although newer vehicles may have a trim level with safety features included like forward-collision avoidance, adaptive cruise control, and lane departure warning system which may help offset higher rates.

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Auto collision coverage

This covers damage to your caused by collision with an object or car. A deductible applies then your collision coverage will kick in. 2008 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.