You have many choices when insurance shopping for your vehicle. You can buy direct from an agent or go online to compare pricing from car insurance companies. Shopping for car insurance from online rate quotes can be fast and easy, in addition you can save money.

If shopping for car insurance online is new to you, you may be confused by the hoards of online companies offering insurance. There are several ways to get quotes from different insurance companies. The easiest way to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1997 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the costs to repair may result in lower rates. Conversely, more recent vehicles may have safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help provide discounts that lower premiums.

Liability insurance - This coverage will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - Collision coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive protection - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.