Finding cheaper car insurance through online companies saves time, is easy to do and at the same time you can save money. The key to finding lower rates is getting rates from all companies so you can compare the best prices.

Finding the best direct price on car insurance is challenging if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. One of the best ways to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors determine car insurance premiums?

Car insurance premiums on a 2006 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. On the flip side, newer models may have safety features like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help provide discounts that lower premiums.

Coverage for liability - This protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision coverages - This pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2006 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - This gives you protection when other motorists do not carry enough liability coverage. Since a lot of 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 should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.