Finding cheaper auto insurance by quoting online is easy, in addition you can save money. The key is to take the time to get as many rate quotes as possible in order to have the cheapest rate quotes.

Consumers who are new to the process of comparing rates may think purchasing cheap 1997 insurance is hard. Finding lower is a fairly straight forward process. You just have to spend a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine

Car insurance premiums for a 1997 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so repair costs are higher which can inflate annual premiums. On the flip side, newer models may have safety features like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can lower rates.

Liability coverages - Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage - This pays for damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not available in all states and gives slightly broader coverage than med pay.