Drivers have lots of options when shopping for car insurance for your vehicle. You can get prices from an insurance agent or get quotes online to check prices from many different companies. Buying auto insurance from online companies saves time, is easy to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Lowering your is actually quite simple. You just need to take a few minutes to compare quotes online from several insurance companies. This can be accomplished by completing this short form.

Rates are impacted by the following

Insurance premiums on a 1997 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the costs to repair will push premiums up. But newer vehicles have more advanced features including active head restraints, adaptive headlights, a backup camera, and tire pressure monitors so those may give discounted rates.

Liability coverage

This can cover damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision insurance

Collision insurance covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.