Shopping for car insurance by comparing rates online is easy, in addition you will probably save money. The key is to get as many rate quotes as possible so you can get the lowest prices.

Consumers not familiar with comparing rates may think finding cheap 1997 insurance is going to be difficult. To find the best car insurance prices, there are several ways to get quotes and find the best price. The easiest way to find competitive consists of shopping online. This is very easy and can be done by completing this short form.

Criteria which help determine

Insurance rates for a 1997 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your profession
• Insurance coverage level
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a much lower replacement value so repair costs tend to be lower which will push premiums down. Although more recent vehicles may have options included like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which may give discounted rates.

Auto liability insurance - Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision - Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.