You have many choices when trying to find low-cost insurance for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from lots of different providers. Shopping for auto insurance through online providers is simple to do, in addition you will probably save money.

Comparing auto insurance rates direct online can be complicated if you have never used online rate quotes. But relax because there is an easy way to compare rates. Getting lower is surprisingly easy. The only thing you need to do is invest a little time comparing rates online with multiple companies. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1997 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Optional coverages like vehicle replacement
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the payout to repair will push premiums up. Conversely, new models may have options such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control so those may give discounted rates.

Liability auto insurance

1997 liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.