Finding cheaper auto insurance through online providers saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Lowering your is surprisingly easy. You just need to take a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine the rate you pay?

Auto insurance rates for a 2007 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may help offset higher rates.

Liability auto insurance

This can cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This covers damage to your caused by collision with an object or car. You have to pay a 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 vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your 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 cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.