Buying auto insurance through online providers can be fast and easy and there is a good chance you will probably save money. The most important part is to take the time to get rates from as many companies as possible in order to have the lowest priced insurance.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Getting better is surprisingly easy. Just take time comparing rates provided by online insurance companies. This can be accomplished by comparing rates here.

Insurance rates for your 1997 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 1997
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so the cost to replace them can inflate annual premiums. Conversely, newer vehicles may have options such as all-wheel drive, a telematics system, and autonomous braking which can lower rates.

Liability auto insurance - This coverage can cover damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - Collision insurance covers damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance - Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.