You have lots of choices when insurance shopping for your vehicle. You can either buy through an insurance agent or price shop online to compare rates from lots of different providers. Buying car insurance through online providers is simple to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you have never used online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The easiest way to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Insurance premiums on a 2006 can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Your age
  • Whether you are married
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the cost to replace them can decrease annual premiums. Conversely, newer models have more advanced features such as lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can lower rates.

Liability auto insurance - 2006 liability coverage protects you from 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. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision insurance pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance - Med pay and PIP coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.