You have many choices when shopping for car insurance for your vehicle. You can get prices from an agent or shop online to compare insurance costs of insurance carriers. Shopping for car insurance by getting online quotes is easy, in addition you can save money.

Consumers not familiar with comparing rates may think buying cheap 1997 insurance is nearly impossible. There are several ways of comparing rates from different insurance companies. By far the easiest way to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 1997 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• 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 will push premiums down. Conversely, newer vehicles may have safety features such as adaptive headlights, blind-spot warning system, and a rollover prevention system so those may help offset higher rates.

Liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.