You have many choices when shopping for car insurance for your vehicle. You can buy direct from an agent or get quotes online to compare pricing from car insurance companies. Finding cheaper car insurance from online rate quotes saves time, is easy to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. By far the easiest way to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 1997 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the cost to replace them may end up costing you less. But newer vehicles may have safety features including pedestrian detection, tire pressure monitors, and autonomous braking which may provide discounts that lower premiums.

Liability insurance

This can cover injuries or damage you cause to people or other property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision insurance

This covers damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a car 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 (UM/UIM)

This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.