You have many choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or go online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, in addition you may find lower rates.

If you are a novice to online car insurance shopping, you may be confused by the hoards of companies selling insurance. The are a couple different ways of comparing rates from different insurance companies. One of the best ways to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Insurance premiums on a 2006 can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance 2006 vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your birth date
  • Having a spouse can save money
  • Optional coverages like vehicle replacement
  • Your job
  • The level of coverage
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the cost to replace them may result in lower rates. Conversely, newer vehicles have more advanced features such as autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights that may help give discounted rates.

Auto liability - This coverage can cover injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverages - This covers 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 lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.