Shopping for auto insurance from online companies is simple to do and there is a good chance you can save money. The critical component is to take the time to get as many rate quotes as possible so you can compare all your choices.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. But don't let that discourage you because it's actually quite easy. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Car insurance premiums for a 2006 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2006
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. Conversely, newer models may have safety features such as an advanced theft deterrent system, all-wheel drive, and traction control which can provide discounts that lower premiums.

Liability coverage

2006 liability coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2006 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.