Finding cheaper car insurance from online rate quotes is simple to do, plus you may find lower rates. The critical component is to take the time to get rates from all providers so you can get the lowest priced insurance.

Finding the best direct price on car insurance can be difficult if you have never used online quotes. But relax because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The best method to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by...

Insurance premiums paid to insure a 2006 can vary widely subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2006
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the costs to repair can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as a collision avoidance system, forward-collision avoidance, and active head restraints which can give discounted rates.

Liability insurance - 2006 liability coverage will cover damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection - This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.