Shopping for auto insurance by quoting online is easy, plus you may find lower rates. The key is to take the time to get as many rate quotes as possible so you can compare the lowest priced insurance.

Consumers not familiar with buying insurance may think purchasing cheap 1997 insurance is hard. Getting better is a fairly straight forward process. Just take time to compare quotes from different insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by the following

Insurance premiums for a 1997 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 1997
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. A newer vehicle have a higher replacement value compared to older models so repair costs are higher which can inflate annual premiums. Conversely, newer vehicles have more advanced features such as pedestrian detection, automatic crash notification, and tire pressure monitors which can provide discounts that lower premiums.

Liability coverages - Liability insurance can cover damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - Collision coverage covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.