Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can either contact your neighborhood insurance agent or get quotes online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do, plus you will probably save money.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Getting lower can be surprisingly simple. 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 comparing rates here.

Car insurance rates influenced by...

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

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the costs to repair will push premiums up. Conversely, more recent vehicles may have options such as a backup camera, lane departure warning system, and traction control so those may lower rates.

Auto liability

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

Coverage for collisions

Collision coverage will pay to fix damage to your caused by 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. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.