There are many options when insurance shopping for your vehicle. You can get prices from a local agent or price shop online to compare insurance costs of a lot of car insurance companies. Shopping for car insurance through online companies is simple to do and there is a good chance you might just save a little.

Comparing car insurance rates direct online can be a challenge if you have never used quoting online. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Auto insurance rates for a 2006 can be significantly different subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Your age
  • Being married may save money
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that will help determine is the model year. Older cars and trucks cost less in comparison to older models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have a trim level with safety features like a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help help offset higher rates.

Coverage for liability - 2006 liability coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision - Collision coverage pays for damage to your caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 2006 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments - Med pay and PIP coverage reimburse you 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 policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and may carry a deductible.