Shopping for auto insurance through online providers can be fast and easy, plus you can save money. The most important part is to compare rates from all providers so you can get the lowest priced insurance.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. Getting better is surprisingly easy. Just take time getting comparison quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Car insurance premiums paid to insure a 1997 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 1997
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have safety features like all-wheel drive, a telematics system, and autonomous braking so those may give discounted rates.

Liability auto insurance - This coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.