There are many options when insurance shopping for your vehicle. You can either buy through a local agent or go online to check prices from many different companies. Shopping for auto insurance from online companies can be fast and easy and there is a good chance you might just save a little.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Cutting your is actually quite simple. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Auto insurance rates for a 1997 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1997 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. Although new models may have a trim level with safety features included like anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system so those may give discounted rates.

Liability coverage - This coverage provides protection from damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.