Finding cheaper car insurance by getting online quotes can be fast and easy, plus you might just save a little. The most important part is getting rates from all companies in order to have all possible prices.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The easiest way by far to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these factors

Auto insurance rates on a 1997 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 1997
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them may result in lower rates. But newer models may have a trim level with safety features including traction control, adaptive headlights, and automatic crash notification that may help lower rates.

Liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision protection

This pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.