Finding cheaper auto insurance by comparing rates online saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to compare as many rate quotes as possible in order to have the lowest prices.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Cutting your can be quick and easy. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine

Insurance rates for a 1997 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so the costs to repair will push premiums up. On the flip side, newer models may have options like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may lower rates.

Auto liability insurance - This protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Collision - This pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.