You have lots of choices when comparing insurance rates on your vehicle. You can get prices from an insurance agent or go online to compare insurance costs of many different companies. Finding cheaper car insurance from online companies can be fast and easy and at the same time you may find lower rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies selling insurance. The are a couple different ways of comparing rates from local car insurance companies. One of the best ways to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance premiums on a 2006 can vary widely depending on several factors. Taken into consideration are:

  • Higher performance 2006 vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Your job
  • Your coverage level
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them may result in lower rates. On the flip side, newer vehicles have more advanced features like autonomous braking, dual-stage airbags, and sideview assist mirrors which can help offset higher rates.

Liability coverage - This coverage can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverages - This covers damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or 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 provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.