You have lots of choices when trying to insure your vehicle. You can get prices from an agent or go online to check prices from companies. Shopping for auto insurance by quoting online can be fast and easy and at the same time you can save money.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites offering insurance. Finding a lower price on 2006 insurance is a fairly straight forward process. You just have to take a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Which factors influence car insurance premiums?

Car insurance premiums for your 2006 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2006 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the cost to replace them may end up costing you more. Conversely, newer models may have safety features such as traction control, active head restraints, a backup camera, and an advanced theft deterrent system that may help give discounted rates.

Liability coverages

This coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.