You have many choices when trying to find low-cost insurance for your vehicle. You can either contact a local agent or get quotes online to compare pricing from insurance carriers. Comparing auto insurance by getting online quotes saves time, is easy to do, in addition you might just save a little.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Getting lower can be relatively painless. The only thing you need to do is invest a little time to get quotes online from several insurance companies. This can be done by visiting this page.

Criteria which help determine insurance rates

Auto insurance rates on a 1997 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including anti-lock brakes, adaptive cruise control, and autonomous braking that may help provide discounts that lower premiums.

Liability

This protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Coverage for collisions

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.