Finding cheaper car insurance from online companies can be fast and easy and there is a good chance you might just save a little. The most important part is getting as many rate quotes as possible in order to have the cheapest rate quotes.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The recommended way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates for a 2007 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your 2007
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so repair costs tend to be lower which may result in lower rates. Conversely, more recent vehicles may have a trim level with safety features such as lane departure warning system, dual-stage airbags, and pedestrian detection that may help lower rates.

Liability coverage - This coverage will cover damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This will pay to fix damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2007 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.