Buying auto insurance from online rate quotes can be fast and easy and at the same time you can save money. The most important part is getting rates from all companies so you can compare all your choices.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of companies offering insurance. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Car insurance premiums on a 2006 can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Where you live
  • The number of annual miles
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your claim history
  • No coverage lapses saves money
  • Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so the cost to replace them may end up costing you more. Conversely, newer models may have safety features such as forward-collision avoidance, adaptive cruise control, and lane departure warning system that may help provide discounts that lower premiums.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.