Shopping for car insurance by quoting online is easy, plus you can save money. The key is to get rates from as many companies as possible so you can compare every possible rate.

Consumers not familiar with buying insurance may think finding cut-rate 1997 insurance is hard. There are several ways to compare rate quotes from car insurance companies in your area. The best way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these things

Car insurance premiums for your 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Where you reside can make a big difference
• High miles vs. low miles
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 1997
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the payout to repair will push premiums down. But new models may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints which may provide discounts that lower premiums.

Liability coverages

Liability insurance provides protection from damage or injury you incur to other's property or people by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.