You have many choices when trying to find low-cost insurance for your vehicle. You can either contact your neighborhood insurance agent or get quotes online to check prices from multiple companies. Shopping for auto insurance online saves time, is easy to do, in addition you will probably save money.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Getting lower is not rocket science. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine

Insurance rates for a 1997 can vary widely and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• 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. New vehicles have a higher replacement value so the costs to repair can inflate annual premiums. But more recent vehicles may have options including a telematics system, adaptive cruise control, and anti-lock brakes which can give discounted rates.

Liability coverage

This will cover injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

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

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.