Buying car insurance from online companies is easy and there is a good chance you may find lower rates. The key is to get rates from all companies in order to accurately compare all your choices.

People who are new to shopping for insurance may think finding low-cost 2012 insurance can be quite difficult. The are a couple different ways to compare rate quotes from different insurance companies. The fastest way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums on a 2012 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Where you live
• The number of annual miles
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2012
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the cost to replace them will push premiums down. Conversely, new models have more advanced features such as an advanced theft deterrent system, all-wheel drive, and traction control which may help offset higher rates.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2012 can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM 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, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. PIP is not universally available and may carry a deductible.