You have lots of choices when insurance shopping for your vehicle. You can buy direct from an agent or price shop online to compare pricing from many different companies. Comparing auto insurance from online companies is simple to do and at the same time you can save money.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. Cutting your is actually quite simple. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. This can be done by visiting this page.

What influences the rate you pay?

Car insurance premiums for a 1997 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the payout to repair will push premiums up. Conversely, new models may have safety features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability coverage - 1997 liability coverage provides protection from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision - This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount 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.

UM/UIM Coverage - This gives you protection from other drivers when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

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