Shopping for car insurance by quoting online saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from all providers in order to accurately compare the best prices.

Comparing car insurance rates direct online can be difficult if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. One of the best ways to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Auto insurance rates paid to insure a 2006 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2006
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the costs to repair may end up costing you less. Conversely, more recent vehicles may have a trim level with safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may help offset higher rates.

Liability coverages - This will cover damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages - This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.