There are many options when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to check prices from companies. Buying auto insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But relax because we're going to show you how. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be accomplished by completing this short form.

Insurance premiums paid to insure a 2012 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Extra coverages like towing and rental
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the costs to repair can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as all-wheel drive, a rollover prevention system, and adaptive headlights which can give discounted rates.

Liability coverages - This will cover damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Collision - Collision insurance will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverages - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.