There are many options when shopping for car insurance for your vehicle. You can either buy through an agent or go online to compare pricing from multiple companies. Finding cheaper auto insurance online can be fast and easy and there is a good chance you can save money.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Lowering your is not rocket science. You just need to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Car insurance premiums for your 2006 can vary widely depending on several factors. Some of these factors include:

• Higher performance 2006 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your claim history
• Having continuous coverage saves you money
• Whether you own your home

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the cost to replace them can inflate annual premiums. Although newer vehicles may have safety features included like pedestrian detection, dual-stage airbags, and blind-spot warning system which can provide discounts that lower premiums.

Liability coverage

This coverage can cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This covers damage to your resulting from colliding with another car or object. You will need to pay your 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 older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.