You have many choices when trying to insure your vehicle. You can get prices from an insurance agent or price shop online to compare rates from companies. Shopping for auto insurance by quoting online is simple to do, in addition you may find lower rates.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. But relax because we're going to show you how. Finding a lower price on 2006 insurance is a fairly straight forward process. You just have to take a little time to compare quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2006 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the payout to repair can inflate annual premiums. But newer models have more advanced features including traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can lower rates.

Liability coverages

2006 liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.