You have many choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or go online to check prices from companies. Comparing auto insurance by quoting online can be fast and easy, in addition you will probably save money.

If you've never shopped for auto insurance online, you may be confused by the hoards of auto insurance companies competing for your business. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be done by completing this short form.

Criteria which help determine

Insurance rates for a 1997 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the cost to replace them may result in higher rates. But newer vehicles may have options including all-wheel drive, a rollover prevention system, and adaptive headlights which may give discounted rates.

Liability coverages - This coverage can cover injuries or damage you cause to other people or property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision - This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.