Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from an agent or go online to compare insurance costs of many different companies. Buying auto insurance from online companies can be fast and easy, plus you can save money.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies 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 can be accomplished by getting a quick quote here.

Rates are impacted by these things

Car insurance premiums for a 2012 can vary widely depending on several factors. Including but not limited to:

• Higher performance 2012 vehicles cost more
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the cost to replace them can inflate annual premiums. Conversely, new models may have safety features such as autonomous braking, dual-stage airbags, and sideview assist mirrors which can help offset higher rates.

Liability coverage - This coverage provides protection from damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverages - Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2012 collision insurance is rather expensive coverage, 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 covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay 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 - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.