You have many choices when shopping for car insurance for your vehicle. You can get prices from an insurance agent or shop online to check prices from insurance providers. Finding cheaper car insurance by comparing rates online is easy, in addition you may find lower rates.

Consumers who are new to the process of comparing rates may think purchasing cheap 2006 insurance is going to be difficult. The are a couple different ways to compare quotes from car insurance companies in your area. By far the easiest way to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine

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

• The performance level of your 2006
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so repair costs tend to be lower which will push premiums down. But newer models have more advanced features including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can give discounted rates.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy higher limits if possible.

Collision insurance

This pays for damage to your 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 lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from 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 payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.