Buying car insurance from online companies is easy, in addition you will probably save money. The key is to compare as many rate quotes as possible so you can compare the best prices.

People who are new to comparing rates may think buying cheap 1997 insurance can be quite difficult. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. One of the best ways to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Insurance rates for a 1997 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so repair costs tend to be lower which will push premiums down. But newer vehicles may have options including autonomous braking, dual-stage airbags, and sideview assist mirrors so those may provide discounts that lower premiums.

Liability coverage - Liability insurance can cover injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverages - Collision insurance covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.