Buying auto insurance from online companies is easy, in addition you can save money. The key is to take the time to get as many rate quotes as possible in order to have every possible rate.

People who are new to comparing rates may think purchasing cheap 2006 insurance can be quite difficult. Reducing your is actually quite simple. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2006 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Where you live
• How many miles you drive
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so repair costs are higher which can inflate annual premiums. But new models may have safety features including forward-collision avoidance, automatic crash notification, and tire pressure monitors which can lower rates.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 2006 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.