Buying car insurance on the web can be fast and easy, plus you might just save a little. The most important part is to compare rates from all companies in order to accurately compare every possible rate.

If you're new to shopping for car insurance online, 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 and find the best price. The best way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates on a 1997 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you live
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 1997
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the cost to replace them may result in lower rates. Although newer models may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may help offset higher rates.

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to 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. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive car insurance

This coverage covers 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 maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.