There are many options when shopping for car insurance for your vehicle. You can get prices from your neighborhood insurance agent or shop online to compare rates from many different companies. Buying auto insurance from online companies is easy and there is a good chance you will probably save money.

People who are new to shopping for insurance may think purchasing low-cost 2006 insurance can be quite difficult. Lowering your is actually quite simple. You just need to take a few minutes comparing rates from different insurance companies. This can be accomplished by comparing rates here.

Insurance rates on a 2006 can vary widely based upon several criteria. Some of these factors include:

  • The performance level of your 2006
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so repair costs are higher which can inflate annual premiums. Conversely, newer vehicles may have options such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which can lower rates.

Liability coverage

Liability insurance can cover damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

Collision insurance covers damage to your resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.