Comparing auto insurance through online providers can be fast and easy and at the same time you will probably save money. The most important part is to take the time to get rates from all providers so you can compare every company's rates.

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. Getting lower is surprisingly easy. The only thing you need to do is invest a little time comparing rates provided by online insurance companies. This can be done by visiting this page.

Which factors influence your insurance rates?

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

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• 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. A newer vehicle have a higher value so the cost to replace them can inflate annual premiums. But newer models may have options including tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which can provide discounts that lower premiums.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Coverage for collisions

This coverage pays for damage to your from colliding with an object or car. 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 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This gives you protection when the "other guys" 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. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.