There are many options when shopping for insurance coverage for your vehicle. You can either contact an agent or go online to compare rates from a lot of auto insurance companies. Shopping for auto insurance through online companies can be fast and easy and there is a good chance you can save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of companies offering insurance. Getting better is not a difficult process. Just take time getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance premiums on a 1997 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Whether you are married
• Extra coverages like towing and rental
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them may result in higher rates. Conversely, more recent vehicles may have safety features such as tire pressure monitors, traction control, and adaptive cruise control which may lower rates.

Coverage for liability - This coverage will cover damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.