Buying auto insurance online is easy, plus you can save money. The key is to compare rates from all providers so you can compare the lowest priced insurance.

People who are new to buying insurance may think buying affordable 2012 insurance is very challenging. Getting better is not rocket science. Just take time getting comparison quotes from different insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Car insurance premiums paid to insure a 2012 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 2012
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so repair costs are higher which will push premiums up. Conversely, new models may have safety features such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection so those may provide discounts that lower premiums.

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

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.