There are many options when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or get quotes online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web saves time, is easy to do and there is a good chance you might just save a little.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates for a 1997 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the costs to repair may result in higher rates. On the flip side, more recent vehicles may have a trim level with safety features like lane departure warning system, a telematics system, and a collision avoidance system which may give discounted rates.

Liability car insurance

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

Coverage for collisions

This will pay to fix damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.