There are many options when buying insurance for your vehicle. You can either buy through an insurance agent or get quotes online to compare rates from multiple insurance companies. Finding cheaper car insurance on the web saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on car insurance can be a challenge if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The recommended way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Insurance premiums on a 2006 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Extra coverages like towing and rental
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new models so the cost to replace them may end up costing you less. But newer models have more advanced features including tire pressure monitors, active head restraints, and pedestrian detection that may help lower rates.

Liability car insurance - This protects you from damage that occurs to people or other property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverage - This pays for damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2006 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance - This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.