You have many choices when trying to insure your vehicle. You can either contact an agent or price shop online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated if you have never used quoting online. But relax because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The quickest method to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1997 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Young drivers cost more
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the costs to repair can decrease annual premiums. But more recent vehicles may have safety features including lane departure warning system, a telematics system, and adaptive headlights that may help give discounted rates.

Auto liability

1997 liability coverage will cover injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverage

This will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This 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 liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.