You have many choices when looking for the best insurance on your vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to compare pricing from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do, in addition you will probably save money.

Shopping online for car insurance can be complicated if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The best way to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1997 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so the costs to repair may end up costing you less. But new models may have options including a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may provide discounts that lower premiums.

Auto liability insurance

This provides protection from injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.