You have lots of choices when shopping for car insurance for your vehicle. You can get prices from a local agent or go online to check prices from multiple companies. Comparing auto insurance online can be fast and easy and at the same time you might just save a little.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of companies vying for your business. Lowering your is not rocket science. You just need to take a few minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence the rate you pay?

Auto insurance rates on a 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 use vs. commuting use
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them will push premiums up. On the flip side, newer vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, and blind-spot warning system so those may give discounted rates.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

This coverage covers damage to your 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply 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 ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.