Comparing auto insurance through online rate quotes can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from all companies so you can compare every company's rates.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies selling insurance. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 2006 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the cost to replace them will push premiums up. Conversely, more recent vehicles have more advanced features such as a backup camera, lane departure warning system, and traction control so those may provide discounts that lower premiums.

Auto liability

This coverage will cover injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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 lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.