You have lots of choices when trying to insure your vehicle. You can either buy through an insurance agent or shop online to check prices from a lot of car insurance companies. Shopping for car insurance through online companies is easy and at the same time you may find lower rates.

Consumers not familiar with comparison shopping may think finding cut-rate 1997 insurance is difficult. The are a couple different ways to compare rate quotes from local car insurance companies. The quickest method to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors impact ?

Insurance premiums for your 1997 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Having a spouse can save money
• Special coverage such as replacement cost
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the payout to repair will push premiums down. On the flip side, new models have more advanced features like a telematics system, adaptive cruise control, and traction control which may give discounted rates.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other's property or people by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.