Comparing auto insurance through online companies saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Finding lower is not a difficult process. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by these factors

Car insurance premiums for a 1997 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 1997
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair can inflate annual premiums. But newer models may have safety features including adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

Coverage for liability - This protects you from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - This coverage pays for damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.