Comparing auto insurance through online rate quotes can be fast and easy, in addition you will probably save money. The most important part is to get rates from all companies in order to have the lowest priced insurance.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies competing for your business. Getting better can be surprisingly simple. Just take time comparing rates provided by online insurance companies. This can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance rates on a 2006 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the cost to replace them may result in higher rates. But more recent vehicles may have options including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may lower rates.

Auto liability - This coverage will cover injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most 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/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.