You have many choices when comparing insurance rates on your vehicle. You can buy direct from an agent or go online to check prices from insurance providers. Shopping for car insurance by comparing rates online can be fast and easy, in addition you can save money.

If shopping for car insurance online is new to you, you may be confused by the hoards of companies offering insurance. There are several ways to get quotes from different insurance companies. One of the best ways to find competitive consists of shopping online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 2006 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 2006 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the cost to replace them may result in lower rates. Conversely, more recent vehicles may have safety features such as forward-collision avoidance, adaptive cruise control, and active head restraints that may help give discounted rates.

Auto liability insurance - This coverage will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverages - Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive insurance - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.