You have many choices when shopping for insurance coverage for your vehicle. You can buy direct from a local agent or go online to compare rates from lots of different providers. Comparing car insurance through online providers can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The best method to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2006 can fluctuate considerably depending on several factors. A few of these criteria are:

  • Higher performance 2006 vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Whether you are married
  • Optional coverages like vehicle replacement
  • What you do for a living
  • The amount of protection requested
  • Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. But more recent vehicles may have a trim level with safety features including all-wheel drive, a telematics system, and autonomous braking which may lower rates.

Liability auto insurance - This coverage will cover injuries or damage you cause to other's property or people. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.