Comparing car insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to take the time to get rates from all providers in order to accurately compare the lowest prices.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums paid to insure a 2007 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2007
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair may end up costing you less. Conversely, new models have more advanced features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can help offset higher rates.

Coverage for liability - This provides protection from damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Collision - This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available and may carry a deductible.