Buying car insurance by comparing rates online is easy, in addition you might just save a little. The key is to compare as many rate quotes as possible in order to accurately compare the lowest rate quotes.

People who are new to comparing rates may think buying cheap 2006 insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. By far the easiest way to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 2006 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so repair costs tend to be lower which will push premiums down. But newer models may have a trim level with safety features including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may help offset higher rates.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision insurance

Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 2006 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.