Drivers have lots of options when trying to insure your vehicle. You can either contact an agent or price shop online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes is simple to do, plus you can save money.

Finding the best direct price on car insurance can be difficult if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The quickest method to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Car insurance premiums paid to insure a 2006 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the costs to repair can decrease annual premiums. But new models may have safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system which can lower rates.

Liability

2006 liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.