You have many choices when trying to insure your vehicle. You can get prices from an agent or price shop online to compare rates from multiple companies. Comparing auto insurance online is simple to do, in addition you can save money.

Using the web to shop for auto insurance direct can be complicated if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Finding a lower price on 2006 insurance is not rocket science. You just have to take a little time getting comparison quotes online with multiple companies. This can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 2006 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the payout to repair will push premiums up. Although new models may have safety features included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors so those may lower rates.

Liability coverage

2006 liability coverage provides protection from injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.