Comparing auto insurance by getting online quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to get as many rate quotes as possible so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. Finding lower can be relatively painless. You just have to spend a little time to get quotes online from several insurance companies. This can be done by visiting this page.

Criteria which help determine

Auto insurance rates for a 2006 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as anti-lock brakes, adaptive headlights, and adaptive cruise control which may provide discounts that lower premiums.

Liability - This can cover injuries or damage you cause to other people or property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.