Buying auto insurance through online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from all companies in order to accurately compare the best prices.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Auto insurance rates on a 2006 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2006
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may result in higher rates. Although newer models may have a trim level with safety features included like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may help offset higher rates.

Coverage for liability - This coverage protects you from damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverages - Collision insurance pays for damage to your resulting from a collision with another car or object. 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 older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.