You have many choices when comparing insurance rates on your vehicle. You can either buy through an insurance agent or go online to compare pricing from a lot of auto insurance companies. Buying auto insurance through online companies can be fast and easy, in addition you may find lower rates.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies selling insurance. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 1997 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Mature drivers pay less
• Being married can lower rates
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Having current coverage saves
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the cost to replace them may end up costing you more. On the flip side, new models have more advanced features like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help provide discounts that lower premiums.

Coverage for liability - This coverage provides protection from injuries or damage you cause to a person or their property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverages - Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.