Buying car insurance through online rate quotes is simple to do, in addition you may find lower rates. The critical component is to compare as many rate quotes as possible in order to have every company's rates.

Shopping online for car insurance can be complicated if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare rate quotes and find the best price. The simplest method to compare is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 1997 will vary greatly subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Your credit history
• Where you live
• How many miles you drive
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• Insurance coverage level
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so repair costs tend to be lower which can decrease annual premiums. Although new models have more advanced features included like a backup camera, lane departure warning system, and traction control so those may lower rates.

Auto liability

1997 liability coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as much as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan 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.