Finding cheaper car insurance by quoting online is easy and there is a good chance you might just save a little. The key is to get as many rate quotes as possible in order to have all your choices.

Consumers who are new to the process of shopping for insurance may think finding cheap 2006 insurance is hard. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The fastest way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates for a 2006 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2006
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer models may have a trim level with safety features included like adaptive headlights, anti-lock brakes, traction control, and a telematics system which may lower rates.

Liability coverages

Liability insurance protects you from damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Auto collision coverage

This pays for damage to your caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2006 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.