Finding cheaper car insurance by getting online quotes is easy, plus you might just save a little. The key is to compare rates from all companies so you can get the lowest priced insurance.

Consumers who are new to the process of buying insurance may think buying low-cost 1997 insurance is nearly impossible. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these things

Auto insurance rates on a 1997 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 1997
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them will push premiums down. Conversely, new models may have a trim level with safety features such as lane departure warning system, pedestrian detection, and tire pressure monitors so those may give discounted rates.

Liability - Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.