Shopping for auto insurance by comparing rates online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can get every option.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. Finding a lower price on 2006 insurance can be quick and easy. You just have to take a little time comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

Insurance rates for your 2006 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2006
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the costs to repair can inflate annual premiums. But newer models may have options including dual-stage airbags, a rollover prevention system, and lane departure warning system which can give discounted rates.

Auto liability insurance

This protects you from damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.