There are many options when looking for the best insurance on your vehicle. You can buy from an agent or price shop online to compare insurance costs of many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do and there is a good chance you can save money.

Finding the best direct price on car insurance can be a challenge if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The best way to find the cheapest is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Car insurance premiums for a 1997 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Being married may save money
• Extra coverages like towing and rental
• Your occupation
• Your coverage level
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have safety features like tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes so those may help offset higher rates.

Auto liability

1997 liability coverage protects you from damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

This pays for damage to your caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and may carry a deductible.