You have many choices when comparing insurance rates on your vehicle. You can buy from an agent or shop online to check prices from companies. Shopping for car insurance by quoting online is easy, in addition you can save money.

Consumers not familiar with comparing rates may think shopping for low-cost 1997 insurance is hard. There are several ways to get quotes from different insurance companies. One of the best ways to find competitive consists of shopping online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 1997 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the cost to replace them will push premiums down. Conversely, more recent vehicles may have safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help give discounted rates.

Liability coverages - Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverages - Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.