You have many choices when finding cheaper insurance coverage on your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare rates from a lot of car insurance companies. Comparing car insurance through online companies is simple to do, in addition you will probably save money.

Using the web to shop for car insurance direct can be complicated if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The easiest way by far to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 1997 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so repair costs tend to be lower which can decrease annual premiums. But new models may have options including active head restraints, traction control, and a rollover prevention system which may lower rates.

Coverage for liability

1997 liability coverage provides protection from injuries or damage you cause to other people or property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.