You have lots of choices when attempting to insure your vehicle. You can either contact an insurance agent or price shop online to check prices from many different companies. Finding cheaper car insurance from online companies is simple to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you have never used quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The fastest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What influences car insurance premiums?

Insurance premiums on a 2006 can be significantly different subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as an advanced theft deterrent system, all-wheel drive, and traction control that may help give discounted rates.

Liability coverage

2006 liability coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Auto collision coverage

This will pay to fix damage to your resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.