Buying car insurance through online providers is easy, in addition you might just save a little. The key is to compare rates from all companies in order to have the cheapest rate quotes.

People who are new to comparing rates may think buying low-cost 2006 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The recommended way to compare is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Auto insurance rates on a 2006 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the cost to replace them will push premiums down. Although new models may have a trim level with safety features included like active head restraints, an advanced theft deterrent system, and lane departure warning system so those may lower rates.

Liability auto insurance - Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.