You have many choices when buying insurance for your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare pricing from lots of different providers. Comparing auto insurance through online providers saves time, is easy to do, in addition you will probably save money.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to quoting online. Don't let that stop you because there is an easy way to compare rates. Finding lower is surprisingly easy. You just have to spend a little time comparing rates online from several insurance companies. This can be done by visiting this page.

Criteria which help determine your insurance rates

Insurance rates for your 1997 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married can lower rates
• Optional coverages like vehicle replacement
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so the costs to repair may end up costing you more. Conversely, newer vehicles may have options such as active head restraints, an advanced theft deterrent system, and lane departure warning system that may help provide discounts that lower premiums.

Liability auto insurance - This can cover injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as large an amount as possible.

Collision coverage - This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.