Shopping for auto insurance by getting online quotes can be fast and easy, plus you might just save a little. The most important part is getting rates from all providers in order to have all your choices.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies vying for your business. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by these factors

Auto insurance rates paid to insure a 2006 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2006
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the cost to replace them may end up costing you more. Although newer models may have a trim level with safety features included like traction control, tire pressure monitors, a collision avoidance system, and a telematics system that may help lower rates.

Liability

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.