There are many options when buying insurance for your vehicle. You can buy direct from an insurance agent or price shop online to compare insurance costs of multiple insurance companies. Comparing car insurance on the web is simple to do and there is a good chance you may find lower rates.

Using the web to shop for car insurance direct can be a challenge if you have never used online rate quotes. But relax because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The recommended way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums paid to insure a 2007 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Being married may save money
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection so those may help offset higher rates.

Liability car insurance - 2007 liability coverage will cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your from colliding with another car or object. You have to pay a 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. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive car insurance - This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.