You have lots of choices when comparing insurance rates on your vehicle. You can get prices from an agent or go online to compare insurance costs of many different companies. Shopping for auto insurance from online companies 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 better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

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. Models that are new have a higher replacement value than older models so the cost to replace them may end up costing you more. Conversely, new models may have safety features such as autonomous braking, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability coverage - This coverage provides protection 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 coverages - Collision coverage pays to fix your vehicle from damage 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. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage covers 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 your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured and underinsured coverage - This provides protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.