You have lots of choices when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to compare pricing from insurance carriers. Shopping for car insurance by getting online quotes saves time, is easy to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance premiums on a 1997 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the cost to replace them may end up costing you less. But new models have more advanced features including a telematics system, all-wheel drive, and adaptive headlights so those may provide discounts that lower premiums.

Liability - This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.