Finding cheaper auto insurance on the web saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get as many rate quotes as possible in order to have every possible rate.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates for a 2006 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2006
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

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 costs to repair may result in higher rates. Although newer vehicles may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may lower rates.

Liability car insurance

This can cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage protection

This covers damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.