Finding cheaper auto insurance by quoting online is simple to do and at the same time you will probably save money. The critical component is to take the time to get rates from all companies in order to have the cheapest rate quotes.

Finding the best direct price on auto insurance is challenging if you have never used online quotes. But don't be discouraged because there is an easy way to compare rates. Finding lower is a fairly straight forward process. You just have to spend a little time comparing rates online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Insurance rates on a 1997 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so the payout to repair can inflate annual premiums. Conversely, newer models may have options such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can lower rates.

Liability coverages - 1997 liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - This pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1997 can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.