Finding cheaper auto insurance by quoting online is easy and there is a good chance you will probably save money. The key is getting rates from all companies in order to accurately compare every option.

Consumers who are new to the process of shopping for insurance may think shopping for low-cost 2006 insurance is hard. Finding a lower price on 2006 insurance is a fairly straight forward process. You just have to take a little time comparing rates from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

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
• The size of your community
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2006
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so repair costs are higher which may end up costing you more. Conversely, newer models may have options such as traction control, active head restraints, a backup camera, and an advanced theft deterrent system that may help help offset higher rates.

Liability coverages

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 purchase 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 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not available in all states and may carry a deductible.