Shopping for auto insurance by getting online quotes is simple to do and at the same time you can save money. The critical component is getting rates from as many companies as possible in order to accurately compare the lowest priced insurance.
Comparing auto insurance rates direct online is challenging if you have never used quoting online. Don't let that stop you because it's actually quite easy. Getting better can be relatively painless. Just take time getting comparison quotes online with multiple companies. This is very easy and can be done by getting a quick quote here.
Car insurance premiums for your 1997 can be significantly different subject to many criteria. Taken into consideration are:
An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the payout to repair may end up costing you more. But newer vehicles may have safety features including lane departure warning system, pedestrian detection, and tire pressure monitors that may help help offset higher rates.
Liability - 1997 liability coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.
Collision coverage - Collision coverage covers damage to your resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.