You have lots of choices when comparing insurance rates on your vehicle. You can buy from a local agent or go online to compare insurance costs of multiple insurance companies. Shopping for car insurance on the web can be fast and easy and at the same time you might just save a little.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. One of the best ways to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Auto insurance rates for a 2012 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 2012 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Mature drivers pay less
• Being married may save money
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. Although new models may have a trim level with safety features included like a telematics system, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability car insurance - This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverages - Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. 2012 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive car insurance - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured and underinsured coverage - This provides protection from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers 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 important protection for you and your family.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and may carry a deductible.