You have many choices when shopping for car insurance for your vehicle. You can either contact an insurance agent or get quotes online to compare pricing from lots of different providers. Finding cheaper car insurance through online providers saves time, is easy to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. By far the easiest way to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 2006 can be significantly different and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Being married can lower rates
  • 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 the cost to replace them may end up costing you less. But more recent vehicles have more advanced features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification that may help provide discounts that lower premiums.

Liability auto insurance

This will cover injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as large an amount as possible.

Collision insurance

This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2006 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.