You have many choices when trying to find low-cost insurance for your vehicle. You can get prices from an agent or get quotes online to compare insurance costs of lots of different providers. Comparing auto insurance through online providers saves time, is easy to do, in addition you can save money.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. Getting lower is surprisingly easy. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1997 can vary widely and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair can inflate annual premiums. Conversely, newer vehicles may have safety features such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which can help offset higher rates.

Liability auto insurance

This can cover injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.