Finding cheaper car insurance by quoting online can be fast and easy and there is a good chance you can save money. The most important part is to get rates from as many companies as possible so you can get every possible rate.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes from car insurance companies in your area. The best way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Car insurance premiums for your 1997 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1997
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair may result in lower rates. But more recent vehicles may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints which may give discounted rates.

Liability coverages

This coverage will cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.