Finding cheaper car insurance from online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is to take the time to get rates from all providers so you can get the lowest prices.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. The easiest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Car insurance premiums paid to insure a 2007 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2007
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the costs to repair may result in lower rates. But new models may have safety features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can give discounted rates.

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

Collision - This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive protection - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.