Finding cheaper auto insurance by quoting online is easy, in addition you can save money. The key is getting as many rate quotes as possible so you can get the best prices.

Consumers who are new to the process of comparing rates may think shopping for cheap 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 getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine

Car insurance premiums for a 2006 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may end up costing you more. Conversely, new models may have safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help give discounted rates.

Liability coverages - Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverages - This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 2006 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.