Buying car insurance on the web saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Shopping online for car insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. By far the easiest way to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Insurance rates for a 1997 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so repair costs tend to be lower which may end up costing you less. On the flip side, more recent vehicles may have options like a telematics system, blind-spot warning system, and sideview assist mirrors which can help offset higher rates.

Liability car insurance

This will cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Collision insurance

Collision insurance will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.