There are many options when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or go online to compare rates from car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online companies vying for your business. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

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

• Higher performance 2007 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you 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 cost to replace them can inflate annual premiums. But more recent vehicles may have a trim level with safety features including tire pressure monitors, anti-lock brakes, and forward-collision avoidance which can lower rates.

Liability insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. 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 consider buying higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim 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

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough 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.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance policy 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.