Finding cheaper auto insurance through online providers saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to compare rates from all providers so you can get the lowest priced insurance.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. But relax because it's actually quite easy. Getting better is surprisingly easy. Just take time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors determine the rate you pay?

Car insurance premiums paid to insure a 2006 will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Your claim history
  • Having current coverage saves
  • Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the costs to repair will push premiums up. On the flip side, newer vehicles may have safety features like all-wheel drive, a telematics system, and autonomous braking so those may give discounted rates.

Liability auto insurance - This can cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This covers damage to your from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.