There are many options when trying to insure your vehicle. You can either buy through a local agent or price shop online to compare insurance costs of many different companies. Comparing car insurance from online companies is simple to do and there is a good chance you might just save a little.

Using the web to shop for car insurance direct can be a challenge if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The quickest method to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

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

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the payout to repair can decrease annual premiums. Although newer models may have a trim level with safety features included like lane departure warning system, dual-stage airbags, and sideview assist mirrors which may help offset higher rates.

Liability coverage

1997 liability coverage protects you from damage that occurs to other's property or people. 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

This coverage pays for damage to your resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage covers 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 your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and may carry a deductible.