Shopping for car insurance from online rate quotes can be fast and easy, plus you can save money. The most important part is getting as many rate quotes as possible in order to accurately compare all possible prices.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare quotes from car insurance companies in your area. The easiest way by far to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these factors

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
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2006
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may result in lower rates. But newer models may have safety features including active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability insurance

This coverage protects you from damage or injury you incur to other people or property by causing 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.

Collision protection

Collision coverage pays for 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. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers 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 your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.