Comparing car insurance online is simple to do, plus you can save money. The critical component is to take the time to get rates from all providers so you can compare the lowest priced insurance.

Using the web to shop for car insurance direct can be difficult if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The best method to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these factors

Car insurance premiums paid to insure a 2006 can vary widely subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 2006
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the costs to repair can decrease annual premiums. On the flip side, newer models may have safety features like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which can provide discounts that lower premiums.

Liability coverage - 2006 liability coverage protects you from damage or injury you incur to a person or their property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - This coverage pays for damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverage - This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.