Buying auto insurance online is easy and at the same time you may find lower rates. The key is to compare rates from all companies in order to accurately compare all possible prices.

People who are new to comparison shopping may think buying low-cost 2006 insurance is very challenging. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to compare quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Insurance premiums on a 2006 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so repair costs are higher which will push premiums up. But new models have more advanced features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive so those may help offset higher rates.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.