Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an agent or get quotes online to compare rates from companies. Buying auto insurance by quoting online saves time, is easy to do, plus you can save money.

Shopping online for auto insurance can be difficult if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Finding lower is a fairly straight forward process. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Car insurance premiums on a 2006 can be significantly different and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • No coverage lapses saves money
  • Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the costs to repair may end up costing you more. Conversely, more recent vehicles may have safety features such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control that may help lower rates.

Liability coverages - This will cover damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2006 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

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

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in 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 do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.