Comparing car insurance by comparing rates online is easy and at the same time you will probably save money. The key is getting as many rate quotes as possible so you can compare every option.

Beginners to comparison shopping may think shopping for cheap 1997 insurance is going to be difficult. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The quickest method to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact car insurance premiums?

Insurance rates for a 1997 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• 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 newer vehicles may have options including dual-stage airbags, a rollover prevention system, and lane departure warning system that may help provide discounts that lower premiums.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverage

This coverage covers damage to your caused by collision with an object or car. You first must 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. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance will pay to fix 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 highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.