Buying car insurance by comparing rates online is simple to do and there is a good chance you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can get the cheapest rate quotes.

Shopping online for car insurance can be a challenge if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The recommended way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums for your 1997 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 1997
• Your job
• Your coverage level
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the payout to repair can decrease annual premiums. On the flip side, newer models have more advanced features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which can give discounted rates.

Auto liability insurance - 1997 liability coverage protects you from damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - Collision insurance pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.