There are many options when trying to find low-cost insurance for your vehicle. You can either contact an insurance agent or price shop online to compare rates from many different companies. Comparing auto insurance from online companies is simple to do and there is a good chance you may find lower rates.

Using the web to shop for auto insurance direct can be a challenge if you have never used quoting online. Don't let that stop you because we're going to show you how. Getting lower is actually quite simple. The only thing you need to do is invest a little time to compare quotes online with multiple companies. This can be done by comparing rates here.

Insurance premiums for your 1997 can be significantly different subject to many criteria. Some of these factors include:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the payout to repair may end up costing you more. But new models have more advanced features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

Liability coverage

1997 liability coverage provides protection from damage that occurs to other's property or people. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a 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 lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.