Buying car insurance through online companies is simple to do, in addition you will probably save money. The critical component is to take the time to get rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Shopping online for car insurance can be complicated if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The best method to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance rates for your 1997 can vary widely subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your profession
• The level of coverage
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so the payout to repair can decrease annual premiums. Conversely, new models may have options such as tire pressure monitors, traction control, and adaptive cruise control which can help offset higher rates.

Coverage for liability - 1997 liability coverage provides protection from injuries or damage you cause to other's property or people in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other drivers when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available and may carry a deductible.