Buying car insurance by getting online quotes can be fast and easy and at the same time you might just save a little. The most important part is getting rates from as many companies as possible so you can compare all possible prices.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The easiest way by far to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Auto insurance rates for your 2006 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like traction control, adaptive headlights, and automatic crash notification that may help provide discounts that lower premiums.

Liability

This coverage will cover damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.