Finding cheaper auto insurance through online companies can be fast and easy and at the same time you can save money. The most important part is getting rates from all companies in order to have every possible rate.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies offering insurance. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums on a 1997 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• The size of your community
• The number of annual miles
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them may end up costing you more. But newer models may have safety features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help lower rates.

Coverage for liability

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage protection

This pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.