Drivers have lots of options when trying to insure your vehicle. You can either contact your neighborhood insurance agent or get quotes online to compare insurance costs of many different car insurance companies. Finding cheaper car insurance through online rate quotes saves time, is easy to do, plus you will probably save money.

Finding the best direct price on car insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The quickest method to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by the following

Insurance rates for a 2006 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your profession
• Insurance coverage level
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a lower value so repair costs tend to be lower which may end up costing you less. Although newer vehicles may have options included like lane departure warning system, a telematics system, and adaptive headlights which can help offset higher rates.

Auto liability

This can cover damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase higher limits if possible.

Collision coverage

This covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2006 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.