Finding cheaper car insurance from online companies is simple to do and there is a good chance you may find lower rates. The critical component is getting as many rate quotes as possible so you can compare all your choices.

Finding the best direct price on car insurance can be a challenge if you have never used quoting online. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The fastest way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance premiums for a 2006 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• The size of your community
• How many miles you drive
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2006
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new models so repair costs tend to be lower which can decrease annual premiums. But newer models have more advanced features including an advanced theft deterrent system, all-wheel drive, and traction control that may help provide discounts that lower premiums.

Liability coverage

2006 liability coverage protects you from damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Auto collision coverage

This pays for damage to your caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 2006 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.