Finding cheaper car insurance online can be fast and easy and at the same time you will probably save money. The most important part is to compare rates from all companies so you can get the lowest priced insurance.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best method to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance rates on a 2006 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so the cost to replace them may result in lower rates. But newer models may have options including adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection so those may give discounted rates.

Liability coverage - This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - This pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.