Buying auto insurance online is easy, plus you might just save a little. The key is getting as many rate quotes as possible in order to have all possible prices.

People who are new to buying insurance may think shopping for cheap 1997 insurance is very challenging. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to get quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Auto insurance rates for a 1997 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 1997
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so repair costs are higher which may end up costing you more. But more recent vehicles may have a trim level with safety features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help lower rates.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.