Buying auto insurance through online providers can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from as many companies as possible so you can get the lowest priced insurance.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Getting better is surprisingly easy. Just take time to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Auto insurance rates for your 1997 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 1997
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as all-wheel drive, a telematics system, and autonomous braking which may give discounted rates.

Liability auto insurance - This coverage can cover damage that occurs to other's property or people in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical expense insurance - Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.