Comparing auto insurance from online companies saves time, is easy to do, plus you might just save a little. The key to finding lower rates is getting as many rate quotes as possible so you can get every possible rate.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Reducing your is actually quite simple. All that's required is to spend a few minutes on the computer to get quotes online from several insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates for a 2006 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2006
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the costs to repair may end up costing you more. Although newer models may have a trim level with safety features included like forward-collision avoidance, automatic crash notification, and tire pressure monitors that may help give discounted rates.

Liability coverage

This protects you from damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.