Drivers have lots of options when insurance shopping for your vehicle. You can buy from a local agent or go online to compare pricing from car insurance companies. Finding cheaper auto insurance from online rate quotes can be fast and easy, plus you might just save a little.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online companies vying for your business. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by these factors

Auto insurance rates paid to insure 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
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • No coverage lapses saves money
  • Home ownership saves money

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. Conversely, newer models may have a trim level with safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may provide discounts that lower premiums.

Liability insurance - This coverage protects you from damage or injury you incur to a person or their 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 consider buying as much as you can afford.

Collision - This pays for damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection - This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.