Drivers have lots of options when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or price shop online to compare pricing from insurance providers. Buying car insurance by comparing rates online is simple to do, plus you will probably save money.

Shopping online for car insurance can be difficult if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The recommended way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these things

Insurance rates for your 2006 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your profession
• The level of coverage
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the payout to repair can decrease annual premiums. Conversely, new models may have options such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which can provide discounts that lower premiums.

Auto liability insurance - 2006 liability coverage provides protection from damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.