There are many options when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or price shop online to compare insurance costs of car insurance companies. Shopping for car insurance from online rate quotes is simple to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you have never used online quotes. Don't let that stop you because it's actually quite easy. There are several ways to get quotes and find the best price. The easiest way by far to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Car insurance premiums for your 1997 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair can decrease annual premiums. Although more recent vehicles may have safety features included like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which can help offset higher rates.

Liability insurance

1997 liability coverage will cover damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and may carry a deductible.