Comparing auto insurance from online rate quotes is easy and at the same time you can save money. The key is to take the time to get rates from as many companies as possible so you can get the lowest rate quotes.

Beginners to comparison shopping may think purchasing cut-rate 1997 insurance is more work than they want to put in. Lowering your doesn't have to be difficult. You just need to take a few minutes getting comparison quotes from different insurance companies. This can be done by completing this short form.

What factors impact your insurance rates?

Car insurance premiums for your 1997 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your claim history
• Having current coverage saves
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so repair costs are higher which can inflate annual premiums. On the flip side, newer models may have safety features like pedestrian detection, tire pressure monitors, and autonomous braking which can give discounted rates.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

This coverage pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, 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 expense coverage

Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.