Comparing auto insurance through online rate quotes can be fast and easy, in addition you might just save a little. The most important part is getting rates from all companies in order to accurately compare every option.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies vying for your business. Finding a lower price on 2006 insurance can be surprisingly simple. You just have to take a little time to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Criteria which help determine insurance rates

Auto insurance rates on a 2006 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them may end up costing you more. But newer models may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights that may help help offset higher rates.

Auto liability

This coverage protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.