You have lots of choices when shopping for car insurance for your vehicle. You can either buy through a local agent or shop online to check prices from insurance providers. Finding cheaper auto insurance by comparing rates online is easy and at the same time you might just save a little.

Consumers who are new to the process of comparison shopping may think buying low-cost 1997 insurance is going to be difficult. Lowering your can be quick and easy. You just need to take a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Auto insurance rates on a 1997 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which will push premiums up. Although newer models may have a trim level with safety features included like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may give discounted rates.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision insurance

This pays for damage to your resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of 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 should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.