Finding cheaper car insurance by comparing rates online is simple to do, plus you can save money. The critical component is to compare rates from all companies in order to have the lowest rate quotes.

Finding the best direct price on car insurance can be difficult if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes from different insurance companies. By far the easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these factors

Car insurance premiums on a 2007 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2007
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the cost to replace them can decrease annual premiums. Conversely, newer models may have safety features such as a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may lower rates.

Auto liability insurance

2007 liability coverage protects you from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision insurance

This pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2007 can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.