Comparing auto insurance through online providers is simple to do and at the same time you will probably save money. The critical component is to compare as many rate quotes as possible so you can get every company's rates.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Getting lower is surprisingly easy. The only thing you need to do is invest a little time comparing rates online with multiple companies. This can be done by completing this short form.

What influences the rate you pay?

Insurance rates for a 2006 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the payout to repair will push premiums up. Conversely, newer vehicles may have options such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control so those may give discounted rates.

Liability auto insurance

2006 liability coverage can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Coverage for collisions

This coverage covers damage to your caused by collision with an object or car. You have to 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.