There are many options when shopping for car insurance for your vehicle. You can get prices from an agent or go online to compare pricing from companies. Comparing auto insurance by quoting online can be fast and easy and there is a good chance you can save money.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Lowering your is a fairly straight forward process. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Car insurance premiums for your 2006 can vary widely depending on several factors. Some of these factors include:

  • Higher performance 2006 vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Your claim history
  • Having current coverage saves
  • Whether you own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles may have safety features like lane departure warning system, anti-lock brakes, and adaptive headlights which can provide discounts that lower premiums.

Liability coverages

This coverage can cover damage that occurs to other's property or people. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This coverage covers damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.