Drivers have lots of options when buying insurance for your vehicle. You can either contact an insurance agent or shop online to check prices from lots of different providers. Finding cheaper car insurance through online providers is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think buying low-cost 1997 insurance is hard and time consuming. The are a couple different ways to compare quotes from different insurance companies. The recommended way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these factors

Insurance premiums on a 1997 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the cost to replace them will push premiums down. Conversely, newer models have more advanced features such as active head restraints, an advanced theft deterrent system, and lane departure warning system so those may give discounted rates.

Liability auto insurance - Liability insurance protects you from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage - This pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance - Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.