Drivers have lots of options when buying insurance for your vehicle. You can get prices from an insurance agent or go online to compare pricing from companies. Finding cheaper car insurance by quoting online can be fast and easy, plus you may find lower rates.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways to compare quotes from different insurance companies. The recommended way to find the lowest is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by these factors

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

• Higher performance 2006 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the payout to repair may result in lower rates. Conversely, newer models have more advanced features such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may provide discounts that lower premiums.

Liability coverages - This coverage protects you from damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a 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. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.