Buying auto insurance by comparing rates online is simple to do, plus you will probably save money. The critical component is to compare rates from all providers in order to accurately compare the lowest priced insurance.

Shopping online for auto insurance can be difficult if you have never used online rate quotes. But relax because there is an easy way to compare rates. Getting better can be quick and easy. Just take time comparing rates online with multiple companies. This can be accomplished by getting a quick quote here.

Rates are impacted by...

Insurance rates paid to insure a 2006 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2006
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the payout to repair will push premiums up. But more recent vehicles may have options including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights so those may help offset higher rates.

Auto liability insurance - 2006 liability coverage will cover damage or injury you incur to a person or their property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance - This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. 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.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.