There are many options when shopping for insurance coverage for your vehicle. You can either buy through a local agent or price shop online to compare rates from a lot of auto insurance companies. Shopping for auto insurance through online companies is simple to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. Getting better is not a difficult process. Just take time to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for a 1997 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair may result in higher rates. Conversely, more recent vehicles may have a trim level with safety features such as tire pressure monitors, traction control, and adaptive cruise control which may lower rates.

Coverage for liability - 1997 liability coverage will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.