Comparing auto insurance by comparing rates online can be fast and easy and at the same time you might just save a little. The most important part is to take the time to get rates from as many companies as possible so you can get the lowest priced insurance.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites vying for your business. Getting better can be quick and easy. Just take time to get quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence your insurance rates?

Auto insurance rates for your 1997 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. Although more recent vehicles may have a trim level with safety features included like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which can give discounted rates.

Auto liability insurance - This coverage will cover damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.