Drivers have lots of options when shopping for car insurance for your vehicle. You can buy from a local agent or go online to check prices from insurance carriers. Buying auto insurance by getting online quotes can be fast and easy, plus you might just save a little.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of companies vying for your business. Lowering your can be relatively painless. You just need to take a few minutes to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these things

Auto insurance rates on a 1997 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 1997 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them will push premiums up. But new models may have a trim level with safety features including adaptive headlights, blind-spot warning system, and a rollover prevention system so those may give discounted rates.

Liability

This coverage provides protection from damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.