You have many choices when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or go online to compare rates from multiple companies. Shopping for car insurance online can be fast and easy, in addition you can save money.

If shopping for car insurance online is new to you, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to get quotes from local car insurance companies. The easiest way by far to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 1997 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. On the flip side, more recent vehicles may have safety features like forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can lower rates.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.