There are many options when attempting to insure your vehicle. You can buy direct from an agent or shop online to check prices from many different companies. Buying auto insurance from online companies is easy and there is a good chance you can save money.

People who are new to shopping for insurance may think finding low-cost 1997 insurance can be quite difficult. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be accomplished by completing this short form.

Car insurance premiums on a 1997 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 1997
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so repair costs are higher which may result in higher rates. But more recent vehicles may have safety features including an advanced theft deterrent system, all-wheel drive, and traction control which may give discounted rates.

Liability coverage

Liability insurance will cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.