Comparing auto 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 to take the time to get as many rate quotes as possible in order to have the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies vying for your business. Finding lower can be relatively painless. You just have to spend a little time to get quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence your insurance rates?

Auto insurance rates for a 1997 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, new models may have a trim level with safety features like anti-lock brakes, adaptive headlights, and adaptive cruise control which can lower rates.

Liability - This coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays for 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 maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.