Comparing car insurance by quoting online can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from all providers so you can compare the lowest prices.

If you've never shopped for car insurance online, you may be confused by the hoards of online companies selling insurance. The are a couple different ways of comparing rates from local car insurance companies. The easiest way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 1997 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new models so the costs to repair may result in lower rates. On the flip side, newer vehicles have more advanced features like all-wheel drive, a rollover prevention system, and adaptive headlights so those may provide discounts that lower premiums.

Liability coverages - This coverage can cover injuries or damage you cause to a person or their property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - This coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverages - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.