There are many options when insurance shopping for your vehicle. You can buy direct from an agent or shop online to compare insurance costs of car insurance companies. Comparing auto insurance from online rate quotes is easy and there is a good chance you can save money.

Beginners to shopping for insurance may think purchasing affordable 2006 insurance is more work than they want to put in. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

Car insurance premiums paid to insure a 2006 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2006
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which can inflate annual premiums. On the flip side, more recent vehicles may have safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can help offset higher rates.

Liability insurance - Liability insurance will cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision - This coverage will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive protection - This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim 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 - Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.