There are many options when comparing insurance rates on your vehicle. You can either contact an agent or price shop online to compare pricing from companies. Buying auto insurance by quoting online is simple to do and there is a good chance you can save money.

Shopping online for auto insurance can be a challenge if you have never used online quotes. But relax because it's actually quite easy. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a 1997 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so the payout to repair can inflate annual premiums. But newer vehicles may have safety features including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can provide discounts that lower premiums.

Liability coverages - 1997 liability coverage can cover damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverages - Collision insurance covers damage to your from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages - This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.