Shopping for car insurance by comparing rates online is simple to do, plus you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can get the lowest prices.

Comparing car insurance rates direct online can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. The easiest way to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by the following

Insurance premiums for your 2006 can vary widely subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2006
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the payout to repair can decrease annual premiums. On the flip side, newer vehicles have more advanced features like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which can give discounted rates.

Auto liability insurance - 2006 liability coverage can cover damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.