You have lots of choices when looking for the best insurance on your vehicle. You can buy from an agent or go online to compare insurance costs of insurance providers. Buying car insurance by comparing rates online can be fast and easy and at the same time you can save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Car insurance premiums on a 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 use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. But new models may have safety features including a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors that may help help offset higher rates.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible 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. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.