There are many options when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or go online to compare rates from insurance providers. Comparing car insurance by comparing rates online can be fast and easy and there is a good chance you can save money.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online companies offering insurance. There are several ways to get quotes and find the best price. The easiest way by far to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Car insurance premiums paid to insure a 1997 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1997 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the costs to repair may result in lower rates. Although more recent vehicles may have safety features included like adaptive cruise control, lane departure warning system, and pedestrian detection so those may lower rates.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.