You have lots of choices when trying to find low-cost insurance for your vehicle. You can either buy through an insurance agent or go online to compare rates from companies. Buying car insurance by quoting online can be fast and easy and at the same time you may find lower rates.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways to get quotes from different insurance companies. The simplest method to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Insurance premiums for your 2006 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2006 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the payout to repair may result in lower rates. Conversely, more recent vehicles have more advanced features such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights that may help lower rates.

Liability coverages

This coverage will cover damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.