You have many choices when trying to find low-cost insurance for your vehicle. You can buy from your neighborhood insurance agent or shop online to compare rates from insurance providers. Buying auto insurance by comparing rates online is easy, in addition you will probably save money.

People who are new to comparing rates may think finding cheap 1997 insurance is going to be difficult. Getting lower can be quick and easy. The only thing you need to do is invest a little time comparing rates from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine

Insurance rates for a 1997 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so repair costs are higher which may result in higher rates. Although newer models may have options included like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which may lower rates.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.