Comparing auto insurance from online rate quotes is simple to do and there is a good chance you might just save a little. The critical component is getting as many rate quotes as possible in order to accurately compare all your choices.

Using the web to shop for auto insurance direct can be a challenge if you have never used quoting online. But don't let that discourage you because comparing prices is actually very simple. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to get quotes online with multiple companies. This can be done by getting a quick quote here.

Auto insurance rates for a 1997 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 1997
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the payout to repair may end up costing you more. But newer models may have a trim level with safety features including forward-collision avoidance, adaptive cruise control, and lane departure warning system that may help help offset higher rates.

Liability insurance

1997 liability coverage protects you from damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and may carry a deductible.