You have lots of choices when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or shop online to compare insurance costs of a lot of car insurance companies. Comparing car insurance through online companies is easy and at the same time you will probably save money.

Beginners to comparison shopping may think buying cheap 1997 insurance is difficult. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Insurance rates for a 1997 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Being married may save money
• Special coverage such as replacement cost
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so repair costs tend to be lower which will push premiums down. But new models may have options including pedestrian detection, a collision avoidance system, and adaptive headlights so those may help offset higher rates.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.