Finding cheaper auto insurance on the web can be fast and easy and there is a good chance you will probably save money. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Finding lower isn't really that difficult. You just have to spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates for your 1997 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 1997
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them can inflate annual premiums. But new models may have options including tire pressure monitors, active head restraints, and pedestrian detection which can help offset higher rates.

Liability car insurance - This coverage provides protection from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. 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.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.