Buying car insurance through online rate quotes is easy and there is a good chance you can save money. The key is to compare rates from all providers in order to accurately compare every company's rates.

People who are new to shopping for insurance may think buying affordable 2006 insurance is going to be difficult. There are several ways to get quotes and find the best price. The simplest method to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

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

• Your driving record
• Your credit history
• Where you live
• Annual mileage can affect rates
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2006
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the costs to repair will push premiums down. Although more recent vehicles may have safety features included like a backup camera, lane departure warning system, and traction control so those may help offset higher rates.

Auto liability

Liability insurance will cover damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your from colliding with another car or object. You have to pay a 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 in order to get cheaper .

Comprehensive auto coverage

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 amount 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.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP 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 plan or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.