You have many choices when insurance shopping for your vehicle. You can buy from an agent or shop online to compare insurance costs of multiple companies. Shopping for auto insurance online is easy, in addition you can save money.

Consumers not familiar with comparing rates may think finding cut-rate 2006 insurance is very challenging. Cutting your is not rocket science. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2006 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 2006
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which may result in higher rates. Conversely, more recent vehicles may have safety features such as a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which may help offset higher rates.

Liability coverage - Liability insurance will cover injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision - Collision coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.