You have lots of choices when attempting to insure your vehicle. You can get prices from an agent or get quotes online to compare pricing from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do and at the same time you can save money.

Shopping online for car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. The fastest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Car insurance premiums on a 2006 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. On the flip side, newer vehicles may have safety features like a backup camera, dual-stage airbags, and an advanced theft deterrent system which can provide discounts that lower premiums.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Auto collision coverage

Collision insurance covers damage to your resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2006 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. 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. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state but can be used in place of medical payments coverage.