Comparing auto insurance through online providers can be fast and easy, plus you will probably save money. The most important part is to compare rates from all providers so you can compare every company's rates.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies competing for your business. Getting lower is surprisingly easy. The only thing you need to do is invest a little time comparing rates provided by online insurance companies. This can be done by visiting this page.

Rates are determined by the following

Insurance rates paid to insure a 1997 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 1997
• No claims lowers premiums
• Having current coverage saves
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so the cost to replace them will push premiums up. On the flip side, newer vehicles may have options like tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control so those may provide discounts that lower premiums.

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Coverage for collisions

This coverage covers damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.