Drivers have lots of options when trying to insure your vehicle. You can either contact a local agent or go online to compare pricing from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, plus you might just save a little.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The quickest method to find the lowest is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by these factors

Auto insurance rates on a 2006 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2006 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them may result in lower rates. But newer models may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage

This pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.