Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or go online to check prices from insurance carriers. Buying auto insurance by getting online quotes 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 can be relatively painless. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these things

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

• Higher performance 2012 vehicles cost more
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the cost to replace them will push premiums up. On the flip side, new models may have safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may give discounted rates.

Liability - This coverage provides protection from damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverages - Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a 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. It's also possible to raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from 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 amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. 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 costs insurance - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.