Buying car insurance by comparing rates online can be fast and easy, plus you can save money. The most important part is getting as many rate quotes as possible so you can get all your choices.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways of comparing rates and find the best price. The fastest way to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Car insurance premiums for a 2006 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you live
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2006
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Although newer vehicles may have safety features included like a backup camera, dual-stage airbags, and an advanced theft deterrent system that may help give discounted rates.

Auto liability insurance

This coverage can cover damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. 2006 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.