There are many options when insurance shopping for your vehicle. You can either buy through a local agent or shop online to compare rates from lots of different providers. Shopping for auto insurance through online providers is easy and there is a good chance you might just save a little.

Consumers not familiar with shopping for insurance may think finding cut-rate 2006 insurance is hard and time consuming. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for your 2006 can fluctuate considerably based upon several criteria. Some of these factors include:

  • The performance level of your 2006
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Whether you are married
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which may result in higher rates. Although new models may have a trim level with safety features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may lower rates.

Liability auto insurance - Liability insurance provides protection from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.