Shopping for auto insurance through online providers can be fast and easy, in addition you may find lower rates. The most important part is to take the time to get rates from all companies in order to have all possible prices.

If shopping for auto insurance online is new to you, you may be confused by the hoards of companies selling insurance. Finding cheaper coverage prices is surprisingly easy. All you need to do is take the time to compare quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 1997 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the cost to replace them can inflate annual premiums. But newer models have more advanced features including forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking which can lower rates.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision protection

Collision coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.