Finding cheaper car insurance online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get as many rate quotes as possible so you can get the lowest prices.

Finding the best direct price on car insurance is challenging if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors determine ?

Insurance rates for a 2007 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so repair costs tend to be lower which may end up costing you less. But newer models may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Liability coverage - This protects you from damages or injuries you inflict on other people or property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision - This pays for damage to your caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. 2007 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.