You have lots of choices when shopping for car insurance for your vehicle. You can either buy through an insurance agent or go online to check prices from multiple companies. Finding cheaper car insurance online can be fast and easy and at the same time you may find lower rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies selling insurance. The are a couple different ways to get quotes from car insurance companies in your area. By far the easiest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance premiums paid to insure a 2007 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2007 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair may result in lower rates. But more recent vehicles have more advanced features including pedestrian detection, dual-stage airbags, and blind-spot warning system so those may give discounted rates.

Liability coverage

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

This will pay to fix damage to your from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.