Comparing auto insurance by comparing rates online is easy, plus you will probably save money. The key is getting rates from as many companies as possible so you can get the best prices.

Beginners to buying insurance may think shopping for cut-rate 2006 insurance is going to be difficult. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes comparing rates from different insurance companies. This can be done by completing this short form.

Rates are determined by these things

Insurance rates for your 2006 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 2006
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so repair costs are higher which may end up costing you more. Conversely, new models may have options such as forward-collision avoidance, adaptive cruise control, and active head restraints that may help give discounted rates.

Auto liability insurance - Liability insurance provides protection from damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a 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. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.