You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy from an insurance agent or get quotes online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The simplest method to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What factors determine the rate you pay?

Insurance premiums for your 2006 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the payout to repair may end up costing you less. Conversely, more recent vehicles have more advanced features such as anti-lock brakes, adaptive cruise control, and autonomous braking so those may lower rates.

Liability

This will cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Coverage for collisions

This will pay to fix damage to your resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.