Going to Disney World and wondering where to stay? Our insider's guide unlocks the secrets of Disney's 12 resorts. We'll show you where to hang your mouse ears if you long to lie on a white sand beach, want a special program for the kids, desire a quiet getaway, or need to be kind to your wallet.

The best way to immerse yourself in Mickey's Orlando, Florida, kingdom is to stay in one of the theme park's dozen hotels. Sleep in a tree house at Disney's Village Resort, go Hawaiian at the Polynesian, or camp at Fort Wilderness. Disney's creative decorating enhances even standard rooms.

Disney hotels offer their guests perks denied to other World visitors--free transportation to the parks, restaurant reservations when you book a room, guaranteed tee times at Disney's golf courses, and an hour's head start at the Magic Kingdom four days a week. Rates. Prices are the range for a double room. You'll typically save $10-$20 a night during the value season, which in 1993 runs until February 13, April 18 -June 11, and August 15 December 20.

Information. Hotels: call your travel agent or 407/W-DISNEY. Disney World: Walt Disney, World Guest Information, Dept. BHG, P.O. Box 10,040, Lake Buena Vista, FL 32830-0040; 407/824-4321. Orlando: Orlando/Orange Count CVB, 800/551-0181.