Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or shop online to compare insurance costs of many different car insurance companies. Finding cheaper car insurance through online rate quotes is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think purchasing cheap 1997 insurance is going to be difficult. The are a couple different ways of comparing rates and find the best price. The easiest way by far to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by the following

Insurance premiums for a 1997 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so repair costs tend to be lower which will push premiums down. Although newer vehicles have more advanced features included like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which can help offset higher rates.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision protection

This covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.