Drivers have lots of options when buying insurance for your vehicle. You can buy from an insurance agent or get quotes online to check prices from insurance providers. Shopping for auto insurance by comparing rates online saves time, is easy to do, plus you may find lower rates.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Finding lower can be quick and easy. You just have to spend a little time to compare quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Insurance premiums for a 1997 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• 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 will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the costs to repair will push premiums up. Although more recent vehicles have more advanced features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

Auto liability insurance - This will cover damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to pay a 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 lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.