Comparing car insurance through online providers is easy, in addition you might just save a little. The key is to take the time to get rates from as many companies as possible so you can compare every option.

Beginners to comparing rates may think purchasing cut-rate 1997 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The quickest method to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Auto insurance rates for your 1997 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Your location impacts rates
• High miles vs. low miles
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. Conversely, newer models may have a trim level with safety features such as a backup camera, autonomous braking, active head restraints, and all-wheel drive which can provide discounts that lower premiums.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.