Drivers have lots of options when looking for the best insurance on your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from insurance providers. Comparing auto insurance by comparing rates online is simple to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be done by comparing rates here.

Rates are determined by these things

Insurance premiums for your 1997 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the payout to repair can inflate annual premiums. Although new models have more advanced features included like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which can lower rates.

Auto liability insurance

1997 liability coverage provides protection from damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.