Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or go online to compare insurance costs of many different companies. Comparing car insurance from online companies can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The simplest method to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Auto insurance rates on a 2007 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2007 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them may result in lower rates. Conversely, more recent vehicles may have a trim level with safety features such as autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system so those may help offset higher rates.

Liability coverage

This coverage will cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2007 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.