Comparing car insurance by quoting online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to get rates from all providers so you can compare every possible rate.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quoting. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best way to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance rates paid to insure a 1997 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 1997
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles cost less so the costs to repair may end up costing you less. But more recent vehicles may have options including dual-stage airbags, sideview assist mirrors, and active head restraints which may provide discounts that lower premiums.

Liability coverages

This will cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.