There are many options when comparing insurance rates on your vehicle. You can either contact your neighborhood insurance agent or shop online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes is easy and there is a good chance you will probably save money.

Consumers who are new to the process of shopping for insurance may think buying cheap 1997 insurance is nearly impossible. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. One of the best ways to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Insurance rates for a 1997 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your 1997
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• Your profession
• The level of coverage
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which will push premiums down. Conversely, newer models may have options such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may lower rates.

Liability - Liability insurance protects you from damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverages - This pays for damage to your caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.