Comparing car insurance online saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to get rates from as many companies as possible so you can get the lowest rate quotes.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. There are several ways to compare rate quotes from local car insurance companies. By far the easiest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine ?

Car insurance premiums for your 2007 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair may end up costing you less. On the flip side, new models may have safety features like pedestrian detection, dual-stage airbags, and blind-spot warning system which may give discounted rates.

Liability coverage

This provides protection from damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies 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. It's also possible to raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.