Buying auto insurance from online rate quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get every possible rate.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Reducing your doesn't have to be difficult. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This can be accomplished by completing this short form.

Car insurance premiums for a 2006 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Where you live
• How many miles you drive
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2006
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the costs to repair can inflate annual premiums. But new models may have safety features including an advanced theft deterrent system, forward-collision avoidance, and a backup camera which can give discounted rates.

Liability insurance

This provides protection from damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible 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 older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.