You have many choices when attempting to insure your vehicle. You can either buy through an agent or shop online to compare insurance costs of lots of different providers. Shopping for auto insurance through online providers is easy, in addition you can save money.

Consumers not familiar with comparing rates may think buying low-cost 2006 insurance is hard and time consuming. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Car insurance premiums on a 2006 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2006
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your birth date
• Being married may save money
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which will push premiums up. Conversely, newer vehicles may have safety features such as active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may help offset higher rates.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.