There are many options when looking for the best insurance on your vehicle. You can either buy through an insurance agent or go online to compare rates from multiple insurance companies. Buying auto insurance on the web can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies selling insurance. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Insurance premiums on a 2006 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 2006 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Whether you are married
• Extra coverages like towing and rental
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them will push premiums up. But newer vehicles have more advanced features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may lower rates.

Liability car insurance

This coverage can cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your resulting from a collision with another car or object. 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. You can also increase the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.