Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from an insurance agent or shop online to compare insurance costs of insurance providers. Finding cheaper car insurance by comparing rates online is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think finding low-cost 1997 insurance is going to be difficult. The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by the following

Insurance premiums on a 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the cost to replace them will push premiums down. But newer vehicles have more advanced features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which may help offset higher rates.

Auto liability insurance - Liability insurance can cover damage or injury you incur to people or other property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage - This covers damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance - This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.