You have lots of choices when buying insurance for your vehicle. You can buy from an agent or shop online to compare insurance costs of insurance carriers. Finding cheaper car insurance by getting online quotes is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think purchasing affordable 1997 insurance is nearly impossible. There are several ways to compare quotes from car insurance companies in your area. The recommended way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Car insurance premiums paid to insure a 1997 can vary widely based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair will push premiums down. But newer models may have safety features including anti-lock brakes, adaptive headlights, and adaptive cruise control which can help offset higher rates.

Liability - Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage - This pays for damage to your from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.