You have many choices when shopping for insurance coverage for your vehicle. You can get prices from a local agent or shop online to compare insurance costs of companies. Shopping for car insurance by quoting online is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think shopping for affordable 1997 insurance is hard. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The best method to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1997 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 1997
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the costs to repair will push premiums down. Conversely, more recent vehicles may have a trim level with safety features such as pedestrian detection, automatic crash notification, and tire pressure monitors that may help help offset higher rates.

Liability coverages - Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - Collision coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.