Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through an insurance agent or go online to check prices from a lot of car insurance companies. Finding cheaper car insurance through online companies can be fast and easy, plus you may find lower rates.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these things

Insurance premiums for a 1997 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so repair costs tend to be lower which may result in lower rates. But new models have more advanced features including a telematics system, a collision avoidance system, tire pressure monitors, and traction control which may give discounted rates.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, 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 coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. 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.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.