Buying car insurance by getting online quotes can be fast and easy and at the same time you might just save a little. The most important part is getting rates from all companies so you can compare every possible rate.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Auto insurance rates on a 1997 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you live
• The number of annual miles
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. Although newer vehicles may have a trim level with safety features included like blind-spot warning system, dual-stage airbags, and automatic crash notification that may help provide discounts that lower premiums.

Liability

This coverage can cover 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 consider buying as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your 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 vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.