Comparing auto insurance from online companies can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from all companies in order to accurately compare the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of companies selling insurance. Finding lower is actually quite simple. You just have to spend a little time to compare quotes provided by online insurance companies. This can be done by getting a quick quote here.

Which factors influence the rate you pay?

Insurance premiums on a 2006 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the cost to replace them will push premiums up. But newer models have more advanced features including lane departure warning system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

Liability coverage - This coverage protects you from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.