You have lots of choices when attempting to insure your vehicle. You can buy from an agent or go online to check prices from a lot of car insurance companies. Comparing car insurance through online companies can be fast and easy and at the same time you can save money.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare quotes from car insurance companies in your area. The fastest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Car insurance premiums for your 2007 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2007 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair may result in lower rates. But newer models may have safety features including pedestrian detection, a collision avoidance system, and adaptive headlights so those may give discounted rates.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Auto collision coverage

This coverage pays for damage to your resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.