You have lots of choices when attempting to insure your vehicle. You can buy from an insurance agent or price shop online to compare rates from a lot of car insurance companies. Shopping for car insurance through online companies is simple to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates and find the best price. The fastest way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Insurance premiums for your 1997 can vary widely subject to many criteria. Taken into consideration are:

• 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
• Your birth date
• Whether you are married
• Special coverage such as replacement cost
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the payout to repair can decrease annual premiums. Although newer vehicles have more advanced features included like pedestrian detection, a collision avoidance system, and adaptive headlights which can lower rates.

Coverage for liability

1997 liability 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. This coverage is usually fairly inexpensive so buy higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your resulting from colliding with an object or car. 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 lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability 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.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.