Drivers have lots of options when attempting to insure your vehicle. You can buy from your neighborhood insurance agent or price shop online to compare rates from lots of different providers. Comparing auto insurance through online providers is simple to do, plus you will probably save money.

Using the web to shop for auto insurance direct can be difficult if you have never used quoting online. But don't let that discourage you because there is an easy way to compare rates. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes comparing rates online with multiple companies. This can be done by comparing rates here.

Rates are determined by the following

Insurance rates for a 1997 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Having current coverage saves
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the payout to repair may end up costing you more. On the flip side, newer vehicles may have options like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control that may help lower rates.

Liability auto insurance

1997 liability coverage can cover damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as large an amount as possible.

Auto collision coverage

This coverage covers damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.