You have lots of choices when trying to find low-cost insurance for your vehicle. You can get prices from an insurance agent or get quotes online to compare rates from insurance providers. Comparing car insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The simplest method to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance premiums for a 2007 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles have more advanced features such as blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which can lower rates.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2007 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.