You have lots of choices when insurance shopping for your vehicle. You can get prices from an insurance agent or get quotes online to compare insurance costs of multiple companies. Buying auto insurance online saves time, is easy to do and at the same time you may find lower rates.

Shopping online for auto insurance is challenging if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. Cutting your is not rocket science. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Insurance premiums on a 2006 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so the costs to repair may end up costing you more. On the flip side, more recent vehicles have more advanced features like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection that may help help offset higher rates.

Liability coverage - This will cover damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your resulting from a collision with an object or car. 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. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.