You have many choices when comparing insurance rates on your vehicle. You can buy direct from a local agent or go online to compare pricing from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you might just save a little.

If you're new to shopping for car insurance online, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. One of the best ways to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2006 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 2006 vehicles cost more
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Your age
• Being married can lower rates
• Optional coverages like vehicle replacement
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the costs to repair may result in lower rates. On the flip side, newer models may have a trim level with safety features like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera so those may provide discounts that lower premiums.

Coverage for liability - This coverage protects you from injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverages - Collision insurance pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - This coverage gives you protection when other motorists do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.