You have many choices when looking for the best insurance on your vehicle. You can get prices from an insurance agent or get quotes online to compare rates from multiple insurance companies. Comparing car insurance on the web saves time, is easy to do, in addition you may find lower rates.

Using the web to shop for car insurance direct can be complicated if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The best way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 1997 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new models so the cost to replace them may end up costing you less. But newer vehicles have more advanced features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system that may help lower rates.

Liability car insurance

This can cover injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as large an amount as possible.

Collision coverage protection

This coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must 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. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. 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.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.