You have many choices when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or go online to compare rates from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you might just save a little.

If you're new to shopping for car insurance online, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The simplest method to compare is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2007 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 2007 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the costs to repair may result in lower rates. But more recent vehicles may have a trim level with safety features including adaptive cruise control, autonomous braking, and lane departure warning system which may lower rates.

Coverage for liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.