Comparing auto insurance through online rate quotes can be fast and easy, plus you can save money. The most important part is getting rates from all companies so you can get every option.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of companies offering insurance. Finding a lower price on 1997 insurance can be surprisingly simple. You just have to take a little time getting comparison quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Car insurance premiums on a 1997 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 1997
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the cost to replace them may end up costing you more. But newer models may have safety features including lane departure warning system, a telematics system, and adaptive headlights that may help give discounted rates.

Auto liability

This coverage protects you from damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.