Finding cheaper car insurance on the web is easy and there is a good chance you might just save a little. The key is getting rates from all companies so you can get the cheapest rate quotes.

Consumers who are new to the process of shopping for insurance may think shopping for low-cost 2006 insurance is not very easy. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates on a 2006 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2006
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the cost to replace them will push premiums down. But newer models may have a trim level with safety features including tire pressure monitors, active head restraints, and pedestrian detection that may help give discounted rates.

Liability car insurance - Liability insurance protects you from damage that occurs to people or other property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This pays for damage to your resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive car insurance - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.