Comparing auto insurance through online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare every option.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. Finding a lower price on 1997 insurance can be surprisingly simple. You just have to take a little time to get quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by these factors

Auto insurance rates on a 1997 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 1997
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like lane departure warning system, a telematics system, and adaptive headlights which can help offset higher rates.

Auto liability

This protects you from damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.