Comparing auto insurance on the web saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to get as many rate quotes as possible so you can compare all your choices.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. But don't let that discourage you because we're going to show you how. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by visiting this page.

What factors determine ?

Insurance premiums for a 2012 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Your location impacts rates
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the costs to repair may result in higher rates. Conversely, more recent vehicles have more advanced features such as automatic crash notification, anti-lock brakes, and a backup camera which may provide discounts that lower premiums.

Liability car insurance

This will cover damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. 2012 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they are uninsured or don't have enough coverage. 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.