Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact a local agent or price shop online to check prices from a lot of auto insurance companies. Buying auto insurance through online companies is simple to do, plus you might just save a little.

Shopping online for auto insurance can be difficult if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to get quotes online with multiple companies. This can be accomplished by completing this short form.

Rates are impacted by...

Auto insurance rates for a 2012 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the payout to repair may result in higher rates. Although more recent vehicles may have a trim level with safety features included like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may give discounted rates.

Coverage for liability - 2012 liability coverage will cover damage or injury you incur to other people or property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. 2012 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.