There are many options when shopping for car insurance for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from multiple companies. Finding cheaper car insurance online is simple to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you have never used online quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. By far the easiest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Insurance rates on a 2006 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your profession
• The level of coverage
• Whether you own your home

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 cost less so the cost to replace them can decrease annual premiums. Conversely, more recent vehicles may have options such as pedestrian detection, dual-stage airbags, and blind-spot warning system which can give discounted rates.

Liability coverage

2006 liability coverage will cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision insurance

This will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.