Comparing auto insurance online can be fast and easy and at the same time you will probably save money. The most important part is to get rates from all providers in order to have the lowest prices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies competing for your business. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be done by comparing rates here.

Which factors influence ?

Insurance rates paid to insure a 2006 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the cost to replace them may result in higher rates. Conversely, new models may have options such as a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which may lower rates.

Liability coverage - This coverage provides protection from damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision - This coverage pays to fix your vehicle from damage from colliding with an object or car. 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage - This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.