There are many options when shopping for insurance coverage for your vehicle. You can either buy through an agent or get quotes online to compare insurance costs of many different car insurance companies. Buying car insurance through online rate quotes saves time, is easy to do and there is a good chance you can save money.

Shopping online for car insurance can be a challenge if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The best method to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums paid to insure a 2007 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• How you use your vehicle
• Young drivers cost more
• Being married may save money
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the costs to repair may end up costing you less. But more recent vehicles may have safety features including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may help offset higher rates.

Auto liability - This will cover damage that occurs to a person or their property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The most 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 it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.