There are many options when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or shop online to compare rates from lots of different providers. Buying car insurance through online providers is easy and there is a good chance you can save money.

People who are new to shopping for insurance may think shopping for cheap 1997 insurance is hard and time consuming. There are several ways to compare rate quotes from different insurance companies. The simplest method to compare is to get quotes online. This can be accomplished by comparing rates here.

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

• The performance level of your 1997
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so repair costs tend to be lower which will push premiums down. Conversely, new models may have safety features such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control that may help lower rates.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property in 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.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage 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. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays for 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 it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.