There are many options when comparing insurance rates on your vehicle. You can either contact an insurance agent or shop online to check prices from insurance providers. Comparing car insurance by comparing rates online is easy and there is a good chance you may find lower rates.

Beginners to shopping for insurance may think buying affordable 1997 insurance is going to be difficult. The are a couple different ways to get quotes from different insurance companies. One of the best ways to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance premiums paid to insure a 1997 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your 1997
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair will push premiums down. Conversely, more recent vehicles have more advanced features such as forward-collision avoidance, adaptive cruise control, and active head restraints so those may give discounted rates.

Auto liability insurance - Liability insurance will cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverages - This coverage will pay to fix damage to your from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive insurance - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.