There are many options when insurance shopping for your vehicle. You can buy direct from a local agent or get quotes online to compare pricing from many different companies. Comparing car insurance from online companies saves time, is easy to do and there is a good chance you might just save a little.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quoting. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The easiest way to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Auto insurance rates paid to insure a 2006 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which may provide discounts that lower premiums.

Liability coverage - This can cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.