Finding cheaper car insurance through online providers saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Finding the best direct price on car insurance can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The best method to find the cheapest is to perform an online rate comparison. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 1997 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• The deductible you choose
• NTSB crash rating for your vehicle
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles may have safety features such as all-wheel drive, a telematics system, and autonomous braking so those may help offset higher rates.

Liability auto insurance - This can cover injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.