There are many options when comparing insurance rates on your vehicle. You can either buy through your neighborhood insurance agent or get quotes online to check prices from multiple insurance companies. Comparing auto insurance on the web saves time, is easy to do and there is a good chance you will probably save money.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But don't let that discourage you because there is an easy way to compare rates. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes comparing rates online from several insurance companies. This can be done by completing this short form.

Insurance rates for a 2006 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Your age
• Having a spouse can save money
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the costs to repair may end up costing you more. But newer models may have options including a telematics system, lane departure warning system, and tire pressure monitors that may help give discounted rates.

Liability car insurance - This protects you from damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as large an amount as possible.

Collision coverages - This coverage pays for damage to your caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.