Shopping for car insurance by quoting online is easy, plus you will probably save money. The key is to take the time to get rates from all companies in order to accurately compare the lowest priced insurance.

Consumers not familiar with buying insurance may think purchasing low-cost 1997 insurance is hard. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best method to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Insurance rates on a 1997 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 1997
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a lower value so the cost to replace them will push premiums down. But more recent vehicles may have options including pedestrian detection, automatic crash notification, and tire pressure monitors which can help offset higher rates.

Liability coverages - Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages - This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.