Shopping for auto insurance through online providers is easy, plus you may find lower rates. The key is getting rates from as many companies as possible in order to have the lowest prices.

Consumers not familiar with buying insurance may think shopping for cut-rate 1997 insurance is hard and time consuming. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by these factors

Insurance premiums for your 1997 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 1997
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so repair costs are higher which may end up costing you more. Although newer models have more advanced features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help lower rates.

Liability auto insurance - Liability insurance protects you from damage or injury you incur to other's property or people by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision - Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.