Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy from a local agent or go online to compare rates from multiple insurance companies. Buying auto insurance on the web can be fast and easy, plus you might just save a little.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of companies vying for your business. Getting better isn't really that difficult. Just take time to get quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these things

Auto insurance rates on a 2006 can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance 2006 vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so the cost to replace them may result in higher rates. But new models may have a trim level with safety features including dual-stage airbags, a telematics system, and pedestrian detection which may lower rates.

Liability car insurance - This coverage provides protection from damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto insurance - This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.