Finding cheaper auto insurance on the web is easy, plus you can save money. The key is getting rates from all companies in order to have the lowest prices.

Consumers who are new to the process of buying insurance may think shopping for low-cost 2006 insurance is not very easy. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by these factors

Car insurance premiums on a 2006 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2006
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so repair costs are higher which may end up costing you more. Although newer models may have safety features included like pedestrian detection, active head restraints, and a backup camera that may help lower rates.

Liability car insurance - Liability insurance protects you from damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision - This pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive auto insurance - This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.