Shopping for auto insurance from online companies can be fast and easy, plus you might just save a little. The most important part is getting rates from all companies so you can get every company's rates.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of companies vying for your business. Getting lower is actually quite simple. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Auto insurance rates on a 2006 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2006
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so the cost to replace them may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help give discounted rates.

Liability coverage

This coverage will cover damage or injury you incur to people or other property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.