Comparing car insurance through online providers can be fast and easy, plus you can save money. The most important part is to compare rates from as many companies as possible in order to accurately compare every possible rate.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes from different insurance companies. The best way 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 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2006
• Your occupation
• The level of coverage
• 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 may result in lower rates. Conversely, more recent vehicles may have safety features such as autonomous braking, tire pressure monitors, and lane departure warning system so those may help offset higher rates.

Liability auto insurance

This coverage will cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage 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 maximum 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 it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.