You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an insurance agent or price shop online to compare pricing from multiple insurance companies. Finding cheaper auto insurance on the web is simple to do and at the same time you may find lower rates.

Finding the best direct price on auto insurance is challenging if you have never used online quotes. But don't let that discourage you because we're going to show you how. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by visiting this page.

What influences your insurance rates?

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

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Mature drivers pay less
• Being married can lower rates
• Special coverage such as replacement cost
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the payout to repair can inflate annual premiums. Although new models have more advanced features included like lane departure warning system, a telematics system, and a collision avoidance system which can provide discounts that lower premiums.

Liability car insurance

1997 liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. 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.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper .

Comprehensive auto insurance

Comprehensive insurance will pay to fix 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 the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.