You have lots of choices when shopping for insurance coverage for your vehicle. You can either buy through an agent or go online to compare pricing from insurance providers. Finding cheaper car insurance by comparing rates online can be fast and easy and at the same time you can save money.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies offering insurance. There are several ways to compare rate quotes from different insurance companies. The best method to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Car insurance premiums 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
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. Conversely, new models may have safety features such as anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights so those may provide discounts that lower premiums.

Auto liability insurance - 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 you should buy as much as you can afford.

Collision coverage - 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance - This coverage will pay to fix 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 is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of 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 should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.