You have many choices when trying to insure your vehicle. You can buy from a local agent or go online to compare rates from companies. Comparing car insurance by quoting online 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 companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The quickest method to compare involves getting comparison 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 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 2006 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• 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 cost to replace them may result in lower rates. Although newer models may have a trim level with safety features included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can lower rates.

Liability coverages

This coverage protects you from injuries or damage you cause to people or other property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverages

This 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 maximum payout 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 consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.