Shopping for auto insurance from online companies is easy and there is a good chance you can save money. The key is getting as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Consumers not familiar with shopping for insurance may think shopping for cheap 1997 insurance can be quite difficult. Getting better is actually quite simple. Just take time getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance premiums for a 1997 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• The deductible you choose
• Safety rating of your 1997
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which may end up costing you more. On the flip side, newer vehicles may have safety features like autonomous braking, tire pressure monitors, and dual-stage airbags that may help help offset higher rates.

Liability coverage - Liability insurance can cover damage that occurs to other people or property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - Collision coverage covers damage to your caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.