Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or price shop online to compare rates from insurance carriers. Finding cheaper auto insurance by getting online quotes is simple to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you have never used online quoting. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by these factors

Car insurance premiums for your 2006 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the payout to repair may result in higher rates. On the flip side, newer models may have safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may lower rates.

Liability - 2006 liability coverage protects you from damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverages - This pays for damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies 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 older vehicles. You can also raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.