Comparing car insurance online is easy, in addition you will probably save money. The key is to take the time to get rates from as many companies as possible so you can compare the lowest rate quotes.

Beginners to comparing rates may think purchasing cut-rate 2006 insurance is very challenging. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. By far the easiest way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Insurance rates for your 2006 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so the payout to repair will push premiums down. On the flip side, newer vehicles may have options like pedestrian detection, dual-stage airbags, and blind-spot warning system which can provide discounts that lower premiums.

Liability coverage

Liability insurance can cover injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state but can be used in place of medical payments coverage.