There are many options when shopping for car insurance for your vehicle. You can buy direct from an agent or get quotes online to compare insurance costs of companies. Comparing car insurance by quoting online saves time, is easy to do and there is a good chance you can save money.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. By far the easiest way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums for your 2006 will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Your occupation
  • Your coverage level
  • Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the payout to repair may end up costing you less. On the flip side, newer models may have safety features like lane departure warning system, anti-lock brakes, and adaptive headlights so those may help offset higher rates.

Liability coverages

This protects you from damage that occurs to other's property or people. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision insurance

This coverage pays for damage to your resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.