Comparing auto insurance by comparing rates online is easy and at the same time you may find lower rates. The key is to get as many rate quotes as possible so you can get the lowest prices.

Beginners to comparison shopping may think finding cheap 1997 insurance is going to be difficult. Cutting your can be quick and easy. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This can be done by completing this short form.

What factors impact ?

Insurance premiums for a 1997 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so repair costs are higher which may result in higher rates. On the flip side, newer vehicles have more advanced features like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which may give discounted rates.

Auto liability insurance - Liability insurance can cover damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision - This coverage covers damage to your caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.