You have many choices when comparing insurance rates on your vehicle. You can either buy through an insurance agent or shop online to compare insurance costs of insurance carriers. Finding cheaper auto insurance by getting online quotes is easy, in addition you may find lower rates.

Consumers who are new to the process of comparing rates may think buying affordable 2006 insurance is nearly impossible. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2006 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2006
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• 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 repair costs are higher which will push premiums up. Conversely, newer vehicles have more advanced features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may help offset higher rates.

Liability - Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverages - This covers damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.