Comparing car insurance by comparing rates online is simple to do, in addition you might just save a little. The critical component is getting rates from all companies so you can compare the cheapest rate quotes.

Using the web to shop for car insurance direct can be complicated if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Auto insurance rates on a 2006 can be significantly different subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them can decrease annual premiums. Conversely, new models may have a trim level with safety features such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection that may help provide discounts that lower premiums.

Auto liability insurance - 2006 liability coverage provides protection from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.