Comparing auto insurance through online rate quotes can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get rates from all providers so you can compare every option.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies selling insurance. Finding a lower price on 2006 insurance can be surprisingly simple. You just have to take a little time to compare quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence your insurance rates?

Insurance premiums paid to insure a 2006 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• Annual mileage can affect rates
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

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 can inflate annual premiums. On the flip side, new models have more advanced features like lane departure warning system, a telematics system, and adaptive headlights which can provide discounts that lower premiums.

Auto liability

This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.