Finding cheaper car insurance through online rate quotes is easy and there is a good chance you might just save a little. The key is to get as many rate quotes as possible so you can compare every option.

Consumers who are new to the process of shopping for insurance may think finding cheap 2007 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Auto insurance rates for a 2007 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2007
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so repair costs tend to be lower which will push premiums down. But more recent vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights which may provide discounts that lower premiums.

Auto liability

Liability insurance will cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage

This will pay to fix damage to your caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2007 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of 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 should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.