Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from an agent or go online to compare insurance costs of insurance carriers. Comparing auto insurance by getting online quotes can be fast and easy, plus you can save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by the following

Car insurance premiums for your 1997 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them may result in higher rates. Although newer vehicles may have safety features included like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may help offset higher rates.

Liability - This coverage can cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.