Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an insurance agent or shop online to check prices from car insurance companies. Buying car insurance from online rate quotes is easy, plus you may find lower rates.

People who are new to buying insurance may think finding low-cost 1997 insurance is more work than they want to put in. The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by these things

Insurance premiums on a 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the cost to replace them will push premiums down. Conversely, new models have more advanced features such as adaptive cruise control, anti-lock brakes, and active head restraints which may give discounted rates.

Liability insurance - Liability insurance provides protection from damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.