Comparing auto insurance by comparing rates online saves time, is easy to do, plus you might just save a little. The key to finding lower rates is getting rates from all companies in order to have the lowest prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Cutting your can be quick and easy. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be done by comparing rates here.

Rates are determined by these factors

Auto insurance rates on a 1997 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 1997
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive that may help lower rates.

Auto liability insurance - This 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. It is cheap coverage so consider buying as large an amount as possible.

Collision - 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 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance - This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest 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 consider dropping full coverage.

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

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.