Shopping for auto insurance by getting online quotes can be fast and easy, in addition you may find lower rates. The most important part is getting rates from all companies in order to have every possible rate.

If shopping for auto insurance online is new to you, you may be confused by the hoards of companies selling insurance. Reducing your can be relatively painless. All that's required is to spend a few minutes on the computer to compare quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 1997 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Having continuous coverage saves you money
• Owning a home can lower rates

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 the cost to replace them may end up costing you more. Although more recent vehicles have more advanced features included like blind-spot warning system, dual-stage airbags, and automatic crash notification that may help lower rates.

Liability

This coverage will cover injuries or damage you cause to people or other 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 buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must 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 lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough 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 costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.