Drivers have lots of options when trying to insure your vehicle. You can buy direct from a local agent or price shop online to compare insurance costs of insurance providers. Shopping for car insurance by comparing rates online is simple to do, plus you might just save a little.

Comparing car insurance rates direct online can be difficult if you have never used quoting online. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The quickest method to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Auto insurance rates for your 1997 can be significantly different subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Insurance coverage level
  • Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair can decrease annual premiums. Although more recent vehicles may have a trim level with safety features included like dual-stage airbags, a rollover prevention system, and lane departure warning system that may help help offset higher rates.

Auto liability insurance

1997 liability coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverage

Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a 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 vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay 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 Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). 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.