Comparing auto insurance on the web can be fast and easy, plus you might just save a little. The most important part is getting rates from all providers so you can get every possible rate.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies vying for your business. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by the following

Auto insurance rates paid to insure a 2012 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2012
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may end up costing you more. Although newer vehicles may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system that may help give discounted rates.

Liability car insurance

This coverage can cover damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage protection

This coverage covers damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive auto insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.