You have lots of choices when insurance shopping for your vehicle. You can buy direct from a local agent or get quotes online to compare insurance costs of insurance providers. Shopping for auto insurance by comparing rates online saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Cutting your can be quick and easy. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine your insurance rates?

Auto insurance rates for a 2006 can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

A final factor that will help determine is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. Conversely, newer vehicles may have a trim level with safety features such as automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which can help offset higher rates.

Auto liability insurance - This can cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision - Collision coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.