Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from an insurance agent or shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is easy, plus you may find lower rates.

Consumers not familiar with buying insurance may think finding affordable 1997 insurance is going to be difficult. The are a couple different ways to compare rate quotes from different insurance companies. By far the easiest way to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these things

Insurance premiums paid to insure a 1997 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1997
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the costs to repair will push premiums down. Conversely, new models have more advanced features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may lower rates.

Auto liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.