There are many options when buying insurance for your vehicle. You can buy from an insurance agent or get quotes online to compare rates from multiple companies. Comparing car insurance online saves time, is easy to do and there is a good chance you may find lower rates.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to quoting online. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

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

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair may end up costing you less. Conversely, new models have more advanced features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help lower rates.

Liability coverage - This provides protection from damage that occurs to a person or their property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a 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. You can also increase the deductible to bring the cost down.

Comprehensive coverage - This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.