Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact your neighborhood insurance agent or go online to compare insurance costs of multiple companies. Finding cheaper auto insurance online can be fast and easy, plus you will probably save money.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by...

Insurance rates for a 2006 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 2006 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Having current coverage saves
• 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 new have a higher actual cash value so the cost to replace them may result in higher rates. On the flip side, more recent vehicles may have options like dual-stage airbags, tire pressure monitors, and blind-spot warning system which may help offset higher rates.

Liability coverage - This coverage will cover damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverages - This will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. 2006 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay 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 program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.