You have many choices when buying insurance for your vehicle. You can buy from an insurance agent or price shop online to compare insurance costs of multiple companies. Finding cheaper auto insurance online is simple to do, in addition you may find lower rates.

Finding the best direct price on auto insurance can be complicated if you have never used online quotes. But don't let that discourage you because we're going to show you how. Finding lower is not rocket science. You just have to spend a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine

Insurance premiums for a 2006 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the payout to repair can inflate annual premiums. But more recent vehicles have more advanced features including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which can help offset higher rates.

Liability coverage - 2006 liability coverage will cover injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2006 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, 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 payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.