You have many choices when insurance shopping for your vehicle. You can either buy through an insurance agent or go online to check prices from many different auto insurance companies. Buying auto insurance through online rate quotes can be fast and easy, in addition you may find lower rates.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies selling insurance. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 1997 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the cost to replace them will push premiums up. Conversely, newer models have more advanced features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may give discounted rates.

Auto liability - This coverage protects you from injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - Collision insurance pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.