You have many choices when trying to insure your vehicle. You can get prices from a local agent or go online to compare insurance costs of many different companies. Comparing car insurance from online companies can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The quickest method to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Auto insurance rates on a 1997 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. Conversely, newer models may have a trim level with safety features such as lane departure warning system, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.