You have lots of choices when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or go online to check prices from insurance providers. Finding cheaper car insurance by comparing rates online can be fast and easy and at the same time you may find lower rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies selling insurance. The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way by far to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence ?

Insurance premiums paid to insure a 1997 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair may result in lower rates. But newer vehicles have more advanced features including adaptive cruise control, lane departure warning system, and pedestrian detection which may give discounted rates.

Auto liability insurance

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision protection

This covers damage to your from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.