You have lots of choices when finding cheaper insurance coverage on your vehicle. You can buy direct from a local agent or get quotes online to check prices from many different companies. Buying auto insurance from online companies saves time, is easy to do and at the same time you might just save a little.

Shopping online for auto insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time to get quotes online from several insurance companies. This can be accomplished by completing this short form.

What factors determine the rate you pay?

Auto insurance rates for your 2012 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the costs to repair will push premiums up. On the flip side, newer models may have a trim level with safety features like forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may give discounted rates.

Liability coverage

This protects you from damages or injuries you inflict on other's property or people in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision protection

Collision insurance pays for damage to your resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.