Buying auto insurance from online companies is easy and at the same time you can save money. The key is to compare rates from all providers so you can get the best prices.

People who are new to comparison shopping may think buying affordable 1997 insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be accomplished by completing this short form.

What factors impact the rate you pay?

Car insurance premiums paid to insure a 1997 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so repair costs are higher which will push premiums up. But newer models may have safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors so those may give discounted rates.

Liability coverage - Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverages - Collision insurance pays for damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage - This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.