Finding cheaper auto insurance on the web can be fast and easy, in addition you might just save a little. The most important part is getting rates from as many companies as possible in order to have all possible prices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites vying for your business. Finding cheaper coverage prices isn't really that difficult. All you need to do is take the time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2006 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system that may help lower rates.

Liability car insurance

This coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision protection

This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.