Buying car insurance from online companies is easy, in addition you might just save a little. The key is to get rates from all providers so you can compare all your choices.

People who are new to comparing rates may think finding affordable 1997 insurance can be quite difficult. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The fastest way 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 car insurance premiums

Auto insurance rates paid to insure a 1997 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Where you live
• Annual mileage can affect rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the costs to repair will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as an advanced theft deterrent system, all-wheel drive, and traction control which may provide discounts that lower premiums.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.