Buying auto insurance online saves time, is easy to do, plus you will probably save money. The key to finding lower rates is to compare as many rate quotes as possible so you can get the best prices.

Shopping online for auto insurance can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes comparing rates online from several insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these factors

Insurance rates for a 2007 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2007
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the costs to repair will push premiums up. But newer models may have options including dual-stage airbags, tire pressure monitors, and blind-spot warning system so those may give discounted rates.

Liability coverage - This protects you from damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as much as you can afford.

Collision coverages - Collision insurance pays for damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible 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 from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan 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.