You have many choices when trying to find low-cost insurance for your vehicle. You can get prices from a local agent or go online to compare pricing from a lot of car insurance companies. Shopping for car insurance through online companies can be fast and easy, in addition you might just save a little.

If shopping for car insurance online is new to you, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The simplest method to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

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

• Higher performance 1997 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Mature drivers pay less
• Being married can lower rates
• 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 may result in lower rates. Conversely, new models may have a trim level with safety features such as adaptive cruise control, autonomous braking, and lane departure warning system that may help provide discounts that lower premiums.

Coverage for liability

This coverage provides protection from 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. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply 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 ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.