Drivers have lots of options when comparing insurance rates on your vehicle. You can get prices from an insurance agent or go online to compare rates from lots of different providers. Comparing auto insurance through online providers can be fast and easy, plus you may find lower rates.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Rates are determined by these things

Insurance premiums for your 2006 can vary widely depending on several factors. Including but not limited to:

• Higher performance 2006 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the cost to replace them can inflate annual premiums. Although new models have more advanced features included like traction control, pedestrian detection, autonomous braking, and adaptive headlights which can lower rates.

Liability auto insurance - This coverage provides protection from damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance 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 payout your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.