Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy from an insurance agent or get quotes online to compare insurance costs of multiple companies. Finding cheaper auto insurance online saves time, is easy to do, plus you may find lower rates.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quoting. Don't let that stop you because we're going to show you how. Getting better is not rocket science. Just take time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these factors

Insurance premiums for your 1997 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the costs to repair may result in higher rates. Although newer models have more advanced features included like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which may help offset higher rates.

Liability coverage - This protects you from damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - This pays for damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.