Comparing car insurance online is easy and at the same time you will probably save money. The key is to take the time to get rates from all companies in order to accurately compare the best prices.

Beginners to comparison shopping may think purchasing low-cost 2012 insurance is very challenging. To find the best car insurance prices, there are several ways of comparing rates and find the best price. One of the best ways to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Insurance rates on a 2012 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the cost to replace them will push premiums down. Although newer vehicles may have options included like dual-stage airbags, tire pressure monitors, and blind-spot warning system which can help offset higher rates.

Liability coverage - Liability insurance can cover damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverages - This coverage covers damage to your resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2012 can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.