You have many choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or shop online to check prices from car insurance companies. Finding cheaper auto insurance from online rate quotes is easy, in addition you may find lower rates.

Consumers who are new to the process of comparing rates may think shopping for cheap 2007 insurance is more work than they want to put in. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine

Insurance premiums for a 2007 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2007
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so repair costs are higher which may end up costing you more. But more recent vehicles have more advanced features including a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help give discounted rates.

Liability insurance - Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverages - This will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 2007 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.