Finding cheaper car insurance through online companies is easy and at the same time you might just save a little. The key is to take the time to get rates from all companies in order to accurately compare the cheapest rate quotes.

Consumers who are new to the process of comparison shopping may think purchasing low-cost 2006 insurance is difficult. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The recommended way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Auto insurance rates on a 2006 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. On the flip side, new models may have a trim level with safety features like adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

Coverage for liability - Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.