You have lots of choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or go online to compare pricing from companies. Buying car insurance by quoting online can be fast and easy and at the same time you will probably save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The easiest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Insurance rates for a 2006 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2006 vehicles cost more
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your profession
• Your coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so repair costs tend to be lower which may result in lower rates. On the flip side, new models may have options like all-wheel drive, a rollover prevention system, and adaptive headlights so those may provide discounts that lower premiums.

Liability coverages - This coverage provides protection from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 2006 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.