You have many choices when insurance shopping for your vehicle. You can either buy through a local agent or shop online to compare insurance costs of multiple companies. Comparing auto insurance online is easy, in addition you might just save a little.

Beginners to comparing rates may think purchasing affordable 1997 insurance is very challenging. Cutting your is not rocket science. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1997 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which can inflate annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

Liability coverage - Liability insurance will cover injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - This coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.