Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from an agent or shop online to compare pricing from lots of different providers. Finding cheaper auto insurance through online providers is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think finding cheap 1997 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by...

Car insurance premiums for a 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so repair costs are higher which may result in higher rates. Although more recent vehicles may have safety features included like all-wheel drive, a telematics system, and autonomous braking which may provide discounts that lower premiums.

Liability auto insurance - Liability insurance will cover damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.