You have lots of choices when shopping for insurance coverage for your vehicle. You can buy direct from a local agent or shop online to compare pricing from lots of different providers. Finding cheaper auto insurance through online providers is easy and at the same time you might just save a little.

Consumers who are new to the process of comparison shopping may think purchasing cut-rate 2006 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Auto insurance rates for your 2006 can vary widely based upon several criteria. Taken into consideration are:

• The performance level of your 2006
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. But newer models may have a trim level with safety features including all-wheel drive, a telematics system, and autonomous braking which can provide discounts that lower premiums.

Liability auto insurance - Liability insurance protects you from damages or injuries you inflict on other's property or people that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - This pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance - Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.