Comparing auto insurance through online rate quotes can be fast and easy, plus you may find lower rates. The most important part is to get rates from all companies so you can get the lowest rate quotes.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of companies selling insurance. Lowering your can be surprisingly simple. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by the following

Insurance premiums on a 1997 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 1997
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the cost to replace them may result in higher rates. On the flip side, newer vehicles have more advanced features like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may give discounted rates.

Auto liability

This coverage can cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. 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 lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.