Buying car insurance through online rate quotes is easy, plus you might just save a little. The key is to get rates from all companies so you can compare all possible prices.

People who are new to buying insurance may think finding low-cost 1997 insurance is going to be difficult. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The easiest way by far to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by the following

Auto insurance rates on a 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 1997
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the cost to replace them will push premiums down. Although newer vehicles may have a trim level with safety features included like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may provide discounts that lower premiums.

Auto liability

Liability insurance can cover 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 consider buying as high a limit as you can afford.

Collision protection

Collision insurance covers damage to your 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 vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive auto coverage

This coverage will pay to fix 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 most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP is not an option in every state but can be used in place of medical payments coverage.