You have lots of choices when buying insurance for your vehicle. You can buy from an insurance agent or go online to compare pricing from car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you may find lower rates.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding lower doesn't have to be difficult. You just have to spend a little time to compare quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Which factors influence your insurance rates?

Insurance premiums for your 1997 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 1997 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. A newer vehicle have a higher replacement value compared to older models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles have more advanced features like adaptive cruise control, anti-lock brakes, and active head restraints which can provide discounts that lower premiums.

Liability insurance - This coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - Collision coverage covers damage to your resulting from colliding with an object or car. 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 lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive protection - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.