Comparing car insurance online can be fast and easy and at the same time you can save money. The most important part is to take the time to get rates from all companies so you can get all possible prices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies offering insurance. There are several ways to get quotes and find the best price. The easiest way by far to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence your insurance rates?

Car insurance premiums on a 2006 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. Although more recent vehicles may have safety features included like forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can give discounted rates.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision protection

This coverage will pay to fix damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.