Shopping for car insurance through online providers is easy, plus you might just save a little. The key is getting as many rate quotes as possible so you can get every company's rates.

Consumers not familiar with buying insurance may think shopping for cheap 2006 insurance is hard and time consuming. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by the following

Auto insurance rates for a 2006 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Where you reside can make a big difference
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2006
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so repair costs tend to be lower which will push premiums down. But newer vehicles may have a trim level with safety features including tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control that may help give discounted rates.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. 2006 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.