Drivers have lots of options when buying insurance for your vehicle. You can get prices from an agent or price shop online to check prices from car insurance companies. Finding cheaper auto insurance from online rate quotes is simple to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Finding lower doesn't have to be difficult. You just have to spend a little time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Car insurance premiums on a 1997 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the payout to repair will push premiums up. But more recent vehicles may have safety features including adaptive cruise control, anti-lock brakes, and active head restraints so those may give discounted rates.

Liability insurance - 1997 liability coverage will cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1997 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive protection - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.