You have lots of choices when finding cheaper insurance coverage on your vehicle. You can get prices from a local agent or go online to check prices from lots of different providers. Buying car insurance through online providers can be fast and easy and at the same time you might just save a little.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The easiest way by far to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Auto insurance rates for your 1997 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 1997 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Having a spouse can save money
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the payout to repair may result in lower rates. Conversely, newer vehicles may have a trim level with safety features such as forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking that may help give discounted rates.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance covers damage to your resulting from colliding with an object or car. You first must pay a 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 older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are 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 but it provides additional coverages not offered by medical payments coverage.