There are many options when shopping for insurance coverage for your vehicle. You can get prices from a local agent or shop online to compare insurance costs of many different car insurance companies. Buying car insurance through online rate quotes is easy and there is a good chance you might just save a little.

People who are new to shopping for insurance may think finding cut-rate 2012 insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The best method to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Auto insurance rates for your 2012 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2012
• Accidents raise premiums
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your age
• Being married may save money
• Extra coverages like towing and rental
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the payout to repair will push premiums down. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may help offset higher rates.

Auto liability - Liability insurance protects you from damage that occurs to other's property or people in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - Collision insurance pays for damage to your resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not available in all states and may carry a deductible.