Comparing car insurance through online companies is easy, plus you can save money. The key is to get rates from as many companies as possible in order to accurately compare the best prices.

Beginners to buying insurance may think finding cut-rate 2006 insurance is difficult. There are several ways to get quotes from car insurance companies in your area. One of the best ways to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Car insurance premiums for your 2006 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• 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 can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the payout to repair will push premiums down. But more recent vehicles may have safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may help offset higher rates.

Coverage for liability - Liability insurance will cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, 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 when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.