Finding cheaper car insurance by comparing rates online is simple to do and there is a good chance you can save money. The critical component is to take the time to get rates from as many companies as possible so you can compare every option.

Finding the best direct price on car insurance can be a challenge if you have never used online quotes. Don't let that stop you because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The quickest method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Car insurance premiums for your 1997 can vary widely subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating
  • The size of your community
  • High miles vs. low miles
  • Male rates may be higher
  • Higher deductibles save money
  • Safety rating of your 1997
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair can decrease annual premiums. But newer vehicles may have safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system which can provide discounts that lower premiums.

Auto liability insurance

1997 liability coverage can cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage

This covers damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.