Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact your neighborhood insurance agent or price shop online to compare pricing from multiple companies. Finding cheaper auto insurance online is simple to do, plus you will probably save money.

Finding the best direct price on auto insurance can be difficult if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Getting better is not rocket science. Just take time comparing rates online with multiple companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by the following

Insurance rates on a 1997 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the payout to repair will push premiums up. Conversely, newer vehicles may have options such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - 1997 liability coverage can cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage - This covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1997 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage - This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.