You have lots of choices when comparing insurance rates on your vehicle. You can buy from an agent or go online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web can be fast and easy and at the same time you can save money.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites offering insurance. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. 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/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Having a spouse can save money
• Special coverage such as replacement cost
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the cost to replace them will push premiums up. Although new models may have safety features included like a telematics system, lane departure warning system, and tire pressure monitors so those may give discounted rates.

Liability car insurance - This coverage provides protection from damages or injuries you inflict on other's property or people 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 coverages - This pays to fix your vehicle from damage 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 in order to get cheaper .

Comprehensive auto insurance - 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 removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance 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 you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.