Comparing car insurance from online rate quotes is easy and there is a good chance you might just save a little. The key is getting rates from all providers so you can get all possible prices.

Beginners to shopping for insurance may think shopping for affordable 1997 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The easiest way by far to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 1997 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1997
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair will push premiums down. Conversely, more recent vehicles may have a trim level with safety features such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors that may help give discounted rates.

Liability insurance

Liability insurance will cover damage that occurs to a person or their property. 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 consider buying as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.