Buying car insurance through online companies is easy and at the same time you may find lower rates. The key is to compare rates from all providers in order to accurately compare the cheapest rate quotes.

People who are new to comparison shopping may think buying affordable 1997 insurance is difficult. The are a couple different ways to get quotes and find the best price. The recommended way to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Insurance premiums paid to insure a 1997 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the costs to repair will push premiums down. Although more recent vehicles have more advanced features included like adaptive cruise control, pedestrian detection, and lane departure warning system so those may help offset higher rates.

Coverage for liability - Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.