There are many options when attempting to insure your vehicle. You can either buy through an insurance agent or shop online to compare insurance costs of companies. Shopping for auto insurance by quoting online is easy and there is a good chance you may find lower rates.

Consumers not familiar with shopping for insurance may think finding cheap 1997 insurance is hard. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes to compare quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Insurance premiums for a 1997 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 1997
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older models so repair costs are higher which may result in higher rates. On the flip side, newer vehicles have more advanced features like adaptive headlights, anti-lock brakes, traction control, and a telematics system which may help offset higher rates.

Liability coverages

Liability insurance can cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Auto collision coverage

Collision coverage covers damage to your caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.