Buying auto insurance from online rate quotes is easy and at the same time you can save money. The key is getting as many rate quotes as possible in order to accurately compare every option.

People who are new to comparison shopping may think shopping for cheap 1997 insurance is more work than they want to put in. Finding a lower price on 1997 insurance doesn't have to be difficult. You just have to take a little time getting comparison quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Car insurance premiums for a 1997 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Where you live
• How many miles you drive
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so repair costs are higher which may end up costing you more. Although more recent vehicles may have safety features included like adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system that may help help offset higher rates.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest 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 it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.