Shopping for auto insurance by getting online quotes saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to get rates from all companies in order to accurately compare every option.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. Finding a lower price on 1997 insurance can be relatively painless. You just have to take a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine ?

Car insurance premiums on a 1997 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Where you reside can make a big difference
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair may result in higher rates. Although newer models may have safety features included like a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system which may help offset higher rates.

Liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your resulting from a collision with an object or car. A deductible applies 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 older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.