You have lots of choices when insurance shopping for your vehicle. You can buy direct from a local agent or get quotes online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web saves time, is easy to do and at the same time you might just save a little.

Finding the best direct price on auto insurance is challenging if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors determine your insurance rates?

Auto insurance rates for a 1997 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the costs to repair can inflate annual premiums. Although more recent vehicles may have a trim level with safety features included like pedestrian detection, active head restraints, and a backup camera which can give discounted rates.

Liability car insurance - This will cover damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision - This will pay to fix damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.