You have lots of choices when attempting to insure your vehicle. You can buy direct from a local agent or shop online to check prices from a lot of auto insurance companies. Shopping for auto insurance through online companies is easy and at the same time you might just save a little.

Consumers not familiar with comparison shopping may think shopping for affordable 2006 insurance is difficult. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes to get quotes from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact car insurance premiums?

Auto insurance rates paid to insure a 2006 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 2006
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. On the flip side, newer models may have a trim level with safety features like pedestrian detection, a collision avoidance system, and adaptive headlights that may help give discounted rates.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.