You have lots of choices when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare insurance costs of car insurance companies. Shopping for auto insurance from online rate quotes is easy and at the same time you will probably save money.

Consumers not familiar with comparison shopping may think buying affordable 1997 insurance is more work than they want to put in. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates from different insurance companies. This is very easy and can be done by getting a quick quote here.

What factors impact the rate you pay?

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

• The performance level of your 1997
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so repair costs are higher which will push premiums up. Conversely, newer models may have options such as adaptive cruise control, anti-lock brakes, and active head restraints so those may help offset higher rates.

Liability insurance - Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision coverage pays for damage to your from colliding with an object or car. You have to pay a 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. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection - This covers 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 amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not available in all states and may carry a deductible.