You have many choices when finding cheaper insurance coverage on your vehicle. You can either contact your neighborhood insurance agent or shop online to compare insurance costs of car insurance companies. Shopping for auto insurance from online rate quotes is easy, in addition you will probably save money.

Consumers not familiar with comparing rates may think finding affordable 1997 insurance is more work than they want to put in. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time comparing rates from different insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1997 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so repair costs are higher which may result in higher rates. Conversely, newer models may have options such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which may help offset higher rates.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not available in all states and may carry a deductible.