Comparing car insurance by quoting online can be fast and easy, in addition you might just save a little. The most important part is to compare rates from as many companies as possible in order to accurately compare the lowest prices.

If you've never shopped for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The easiest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2007 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. Although newer vehicles may have a trim level with safety features included like all-wheel drive, a rollover prevention system, and adaptive headlights so those may help offset higher rates.

Liability coverages - This coverage can cover injuries or damage you cause to other's property or people. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverages - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.