Comparing car insurance through online providers can be fast and easy, plus you may find lower rates. The most important part is to get rates from all providers in order to have the lowest prices.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online companies selling insurance. The are a couple different ways to compare quotes from local car insurance companies. The easiest way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these factors

Insurance premiums paid to insure a 2006 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2006
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the costs to repair may result in lower rates. On the flip side, newer models have more advanced features like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may lower rates.

Liability auto insurance - This coverage protects you from damage or injury you incur to a person or their property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision - This coverage pays for damage to your from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive (Other than Collision) - This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.