Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an agent or price shop online to compare rates from many different car insurance companies. Comparing car insurance through online rate quotes is simple to do, plus you can save money.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But relax because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The best method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these factors

Car insurance premiums paid to insure a 1997 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Your age
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the costs to repair can decrease annual premiums. Conversely, newer models may have safety features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors so those may lower rates.

Auto liability - 1997 liability coverage protects you from damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - This coverage pays for damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage - This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.