Comparing auto insurance through online companies saves time, is easy to do, plus you can save money. The key to finding lower rates is to compare rates from as many companies as possible so you can compare the best prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. This can be done by visiting this page.

Rates are determined by the following

Car insurance premiums for your 2007 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2007
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the costs to repair will push premiums up. But newer vehicles may have safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera so those may provide discounts that lower premiums.

Coverage for liability - This can cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Collision coverages - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.