You have many choices when comparing insurance rates on your vehicle. You can buy from an insurance agent or shop online to check prices from lots of different providers. Buying car insurance through online providers is easy, in addition you may find lower rates.

People who are new to comparing rates may think buying low-cost 1997 insurance is hard and time consuming. The are a couple different ways to get quotes from car insurance companies in your area. One of the best ways to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Insurance premiums on a 1997 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so the cost to replace them will push premiums down. But more recent vehicles have more advanced features including traction control, pedestrian detection, autonomous braking, and adaptive headlights so those may give discounted rates.

Liability auto insurance - Liability insurance will cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.