Shopping for car insurance online is easy and there is a good chance you can save money. The key is to take the time to get rates from as many companies as possible so you can get every company's rates.

Consumers not familiar with shopping for insurance may think purchasing cut-rate 2007 insurance is very challenging. There are several ways of comparing rates from car insurance companies in your area. The simplest method to find competitive consists of shopping online. This can be accomplished by completing this short form.

Car insurance premiums for your 2007 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2007
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair will push premiums down. But newer vehicles may have safety features including a telematics system, adaptive cruise control, and anti-lock brakes which can give discounted rates.

Liability coverage

Liability insurance can cover damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many 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 is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.