There are many options when comparing insurance rates on your vehicle. You can buy direct from a local agent or get quotes online to check prices from car insurance companies. Comparing auto insurance from online rate quotes saves time, is easy to do and there is a good chance you might just save a little.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to get quotes online from several insurance companies. This can be done by completing this short form.

Auto insurance rates on a 1997 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help give discounted rates.

Liability insurance - This protects you from damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverages - This coverage pays for damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.