Finding cheaper auto insurance by comparing rates online is easy and at the same time you can save money. The key is to get rates from as many companies as possible in order to have every company's rates.

Consumers who are new to the process of comparison shopping may think finding cut-rate 2006 insurance is going to be difficult. Getting lower can be quick and easy. The only thing you need to do is invest a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Car insurance premiums for your 2006 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so repair costs are higher which may result in higher rates. But more recent vehicles may have safety features including blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which may lower rates.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.