Shopping for car insurance online can be fast and easy and at the same time you may find lower rates. The most important part is to get as many rate quotes as possible in order to accurately compare the best prices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways of comparing rates from different insurance companies. One of the best ways to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence ?

Insurance premiums for a 2007 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so repair costs tend to be lower which may result in lower rates. Conversely, newer vehicles have more advanced features such as dual-stage airbags, tire pressure monitors, and blind-spot warning system which may help offset higher rates.

Liability coverage - This coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - Collision coverage covers damage to your caused by collision with an object or car. A deductible applies then your collision coverage will kick in. 2007 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim 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.

Uninsured and underinsured coverage - This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.