You have lots of choices when insurance shopping for your vehicle. You can buy from your neighborhood insurance agent or go online to compare rates from many different companies. Finding cheaper auto insurance from online companies can be fast and easy and at the same time you will probably save money.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies competing for your business. Cutting your is actually quite simple. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Insurance rates on 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
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so the cost to replace them will push premiums up. Conversely, new models may have options such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system so those may lower rates.

Liability coverage - This coverage provides protection from damages or injuries you inflict on people or other 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 purchase as much as you can afford.

Collision - This pays to fix your vehicle from damage resulting from a collision with an object or car. 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage - This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.