You have lots of choices when shopping for car insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from multiple companies. Shopping for car insurance online saves time, is easy to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. By far the easiest way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors determine the rate you pay?

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

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer models have more advanced features such as pedestrian detection, dual-stage airbags, and blind-spot warning system so those may lower rates.

Liability coverage

This protects you from damages or injuries you inflict on other people or property by causing an accident. 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.

Collision insurance

Collision coverage pays for damage to your caused by collision with an object or car. You have to pay a 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance 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 consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.