Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can either contact a local agent or price shop online to compare rates from multiple companies. Shopping for auto insurance online is simple to do, plus you might just save a little.

Comparing auto insurance rates direct online can be difficult if you have never used online rate quotes. Don't let that stop you because comparing prices is actually very simple. Getting lower is not rocket science. The only thing you need to do is invest a little time to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by...

Auto insurance rates for your 2006 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair will push premiums up. On the flip side, more recent vehicles may have a trim level with safety features like a telematics system, adaptive cruise control, and anti-lock brakes so those may lower rates.

Liability coverage

2006 liability coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough 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. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.