Shopping for auto insurance by quoting online is simple to do and at the same time you might just save a little. The critical component is to take the time to get rates from all companies in order to have the best prices.

Comparing auto insurance rates direct online is challenging if you have never used online quotes. But don't be discouraged because comparing prices is actually very simple. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

What influences your insurance rates?

Auto insurance rates on a 2007 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair can inflate annual premiums. But newer models may have a trim level with safety features including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can lower rates.

Liability coverages - 2007 liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverages - Collision coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments - Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.