Drivers have lots of options when buying insurance for your vehicle. You can either buy through an insurance agent or go online to compare insurance costs of lots of different providers. Finding cheaper auto insurance through online providers can be fast and easy, plus you may find lower rates.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of companies selling insurance. Finding lower is surprisingly easy. You just have to spend a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these factors

Insurance premiums on a 2006 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2006 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Being married may save money
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them will push premiums up. But newer models have more advanced features including active head restraints, an advanced theft deterrent system, and lane departure warning system so those may help offset higher rates.

Liability auto insurance - This coverage protects you from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2006 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.