Finding cheaper auto insurance on the web saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting rates from as many companies as possible so you can get all possible prices.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because we're going to show you how. Finding cheaper coverage prices isn't really that difficult. All you need to do is take the time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance premiums for your 1997 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1997
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the costs to repair may end up costing you more. On the flip side, more recent vehicles have more advanced features like adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system that may help give discounted rates.

Liability car insurance

This will cover damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision protection

This will pay to fix damage to your resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.