There are many options when finding cheaper insurance coverage on your vehicle. You can either buy through a local agent or get quotes online to check prices from companies. Buying auto insurance by quoting online saves time, is easy to do and there is a good chance you might just save a little.

Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Finding cheaper coverage prices is a fairly straight forward process. All you need to do is take the time to get quotes online from several insurance companies. This can be accomplished by completing this short form.

Auto insurance rates for your 2006 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the costs to repair will push premiums up. But new models may have a trim level with safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system so those may give discounted rates.

Liability coverages

This provides protection from damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.