Buying auto insurance by quoting 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 as many rate quotes as possible so you can compare all your choices.

Shopping online for auto insurance is challenging if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes online from several insurance companies. This can be accomplished by visiting this page.

What factors determine ?

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

• Tickets increase premiums
• Credit rating impacts rates
• Where you live
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so the costs to repair may result in higher rates. But newer vehicles may have safety features including adaptive headlights, anti-lock brakes, traction control, and a telematics system which may provide discounts that lower premiums.

Liability coverages

This can cover damages or injuries you inflict on other people or property in an accident. 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.

Auto collision coverage

Collision insurance covers damage to your caused by collision with an object or car. A deductible applies 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix 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 is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.