Finding cheaper auto insurance online is simple to do, plus you may find lower rates. The critical component is to compare as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

Finding the best direct price on auto insurance can be difficult if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. Finding lower is not rocket science. You just have to spend a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these things

Insurance premiums for a 1997 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1997
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the payout to repair will push premiums up. Although new models have more advanced features included like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may help offset higher rates.

Liability coverage - 1997 liability coverage provides protection from damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not universally available and may carry a deductible.