Shopping for auto insurance on the web is easy and at the same time you might just save a little. The key is to compare rates from as many companies as possible so you can compare the cheapest rate quotes.

Consumers not familiar with comparison shopping may think buying cut-rate 2007 insurance is not very easy. Finding lower isn't really that difficult. You just have to spend a little time to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

What factors impact the rate you pay?

Auto insurance rates for your 2007 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Conversely, more recent vehicles may have a trim level with safety features such as tire pressure monitors, active head restraints, and pedestrian detection so those may provide discounts that lower premiums.

Liability car insurance - Liability insurance will cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from colliding with an object or car. You have to pay a 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 auto insurance - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a 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 actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is only offered in select states but can be used in place of medical payments coverage.