Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either buy through your neighborhood insurance agent or go online to check prices from many different car insurance companies. Buying car insurance through online rate quotes can be fast and easy, plus you will probably save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The easiest way by far to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by...

Insurance rates for your 1997 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 1997 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your profession
• Your coverage level
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have options like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may give discounted rates.

Auto liability

This coverage will cover damage or injury you incur to other's property or people in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.