You have many choices when trying to insure your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare insurance costs of multiple companies. Finding cheaper auto insurance online is simple to do, in addition you will probably save money.

Finding the best direct price on auto insurance can be complicated if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates. Finding a lower price on 2006 insurance is not rocket science. You just have to take a little time comparing rates online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance rates for your 2006 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the payout to repair can inflate annual premiums. But new models may have options including sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability coverage

2006 liability coverage provides protection from injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage resulting 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. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.