Finding cheaper auto insurance by quoting online is easy and at the same time you might just save a little. The key is to take the time to get rates from all companies in order to have the best prices.

Consumers who are new to the process of comparison shopping may think purchasing low-cost 2006 insurance is hard. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact your insurance rates?

Auto insurance rates on a 2006 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. Although new models may have a trim level with safety features included like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can lower rates.

Liability coverages - Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverages - This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. 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.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.