Buying car insurance on the web saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting rates from all companies in order to have all your choices.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes from different insurance companies. The fastest way to compare is to get quotes online. This can be accomplished by comparing rates here.

Car insurance premiums on a 2007 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Where you live
• The number of annual miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 2007
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the cost to replace them may end up costing you less. Conversely, new models may have safety features such as automatic crash notification, anti-lock brakes, and a backup camera that may help lower rates.

Liability car insurance

This provides protection from damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2007 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.