You have lots of choices when insurance shopping for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare rates from multiple companies. Finding cheaper auto insurance online is easy and at the same time you will probably save money.

Consumers who are new to the process of comparison shopping may think purchasing affordable 1997 insurance is very challenging. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact your insurance rates?

Insurance rates paid to insure a 1997 can vary widely based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so repair costs are higher which can inflate annual premiums. On the flip side, newer models may have options like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can lower rates.

Liability coverage - Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision - This pays for damage to your from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive coverage - This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not available in all states and gives slightly broader coverage than med pay.