Comparing auto insurance from online rate quotes saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to get rates from all providers so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quoting. But relax because there is an easy way to compare rates. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates online from several insurance companies. This can be done by visiting this page.

Insurance rates paid to insure a 1997 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 1997
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so the costs to repair may result in higher rates. Conversely, new models may have options such as adaptive cruise control, anti-lock brakes, and active head restraints which may provide discounts that lower premiums.

Liability insurance - This provides protection from damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.