Buying car insurance by quoting online is easy, plus you might just save a little. The key is to take the time to get rates from as many companies as possible so you can compare every company's rates.

People who are new to buying insurance may think purchasing cut-rate 2007 insurance is hard. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The simplest method to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by the following

Auto insurance rates for your 2007 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Where you live
• High miles vs. low miles
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2007
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights which can provide discounts that lower premiums.

Liability coverages

Liability insurance can cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.