Drivers have lots of options when shopping for car insurance for your vehicle. You can either contact an agent or go online to compare insurance costs of insurance carriers. Comparing auto insurance by getting online quotes can be fast and easy, plus you can save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of companies offering insurance. Lowering your can be relatively painless. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by the following

Car insurance premiums on a 1997 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 1997 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

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 cost to replace them will push premiums up. Conversely, newer vehicles may have safety features such as adaptive headlights, blind-spot warning system, and a rollover prevention system so those may help offset higher rates.

Liability

This coverage can cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist 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 only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.