There are many options when buying insurance for your vehicle. You can buy direct from a local agent or go online to compare insurance costs of many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The recommended way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Auto insurance rates for a 2006 can fluctuate considerably depending on several factors. Some of these factors include:

  • Higher performance 2006 vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Your age
  • Being married may save money
  • Extra coverages like towing and rental
  • What you do for a living
  • The level of coverage
  • Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so repair costs tend to be lower which may result in lower rates. Conversely, newer models may have a trim level with safety features such as dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may help offset higher rates.

Auto liability - This coverage protects you from damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your caused by collision with another car or object. A deductible applies then your collision coverage will kick in. 2006 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.