There are many options when buying insurance for your vehicle. You can either buy through your neighborhood insurance agent or go online to check prices from multiple insurance companies. Buying auto insurance on the web can be fast and easy and there is a good chance you will probably save money.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies competing for your business. Finding lower isn't really that difficult. You just have to spend a little time comparing rates provided by online insurance companies. This can be accomplished by completing this short form.

Insurance rates for a 1997 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1997 vehicles cost more
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Extra coverages like towing and rental
• No claims lowers premiums
• Having current coverage saves
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have options like tire pressure monitors, active head restraints, and pedestrian detection so those may give discounted rates.

Liability car insurance - This coverage will cover damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.