Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy direct from an insurance agent or go online to compare rates from insurance providers. Comparing car insurance by comparing rates online can be fast and easy, plus you may find lower rates.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of companies selling insurance. The are a couple different ways of comparing rates from local car insurance companies. The simplest method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Insurance premiums on a 2006 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2006 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the cost to replace them may result in lower rates. On the flip side, newer vehicles have more advanced features like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system so those may lower rates.

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Coverage for collisions

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You have to 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 lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.