Shopping for car insurance on the web saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is getting as many rate quotes as possible in order to have all possible prices.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way by far to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors determine car insurance premiums?

Insurance premiums for a 1997 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• 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 repair costs tend to be lower which may end up costing you less. But new models have more advanced features including adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system that may help lower rates.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as large an amount as possible.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.