Buying auto insurance through online companies is easy, in addition you can save money. The key is to take the time to get rates from all providers in order to have the best prices.

People who are new to comparing rates may think purchasing affordable 2006 insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2006 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so repair costs are higher which can inflate annual premiums. But more recent vehicles may have safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which can lower rates.

Coverage for liability - Liability insurance will cover injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.