Shopping for auto insurance through online rate quotes is easy and at the same time you might just save a little. The key is to compare rates from all providers in order to have all your choices.

Consumers not familiar with comparison shopping may think buying affordable 2007 insurance is going to be difficult. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

What factors impact the rate you pay?

Auto insurance rates paid to insure a 2007 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Although new models may have a trim level with safety features included like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may lower rates.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.