Finding cheaper auto insurance by getting online quotes can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get rates from as many companies as possible in order to have the lowest prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Cutting your can be relatively painless. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Insurance premiums for your 2006 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the cost to replace them can inflate annual premiums. Although more recent vehicles have more advanced features included like a telematics system, all-wheel drive, and adaptive headlights which can lower rates.

Liability - This coverage will cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision - This will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.