Comparing car insurance from online companies is easy, plus you might just save a little. The key is to take the time to get rates from all companies so you can get all your choices.

Beginners to buying insurance may think purchasing low-cost 2006 insurance can be quite difficult. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The fastest way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates on a 2006 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2006
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them will push premiums down. But newer models may have a trim level with safety features including an advanced theft deterrent system, all-wheel drive, and traction control which can give discounted rates.

Liability coverage

Liability insurance protects you from damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Auto collision coverage

This coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2006 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.