You have many choices when attempting to insure your vehicle. You can either contact an agent or price shop online to check prices from insurance providers. Comparing auto insurance by comparing rates online is simple to do, in addition you can save money.

Using the web to shop for auto insurance direct can be complicated if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 1997 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the payout to repair will push premiums up. But new models may have safety features including a backup camera, dual-stage airbags, and an advanced theft deterrent system so those may give discounted rates.

Auto liability insurance

1997 liability coverage provides protection from injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. 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 older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people 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 a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.