Shopping for car insurance by quoting online is easy, in addition you may find lower rates. The key is to take the time to get rates from all companies so you can compare the lowest rate quotes.

Consumers not familiar with comparing rates may think purchasing low-cost 1997 insurance is hard. The are a couple different ways to get quotes and find the best price. By far the easiest way to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 1997 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your job
• Insurance coverage level
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the cost to replace them will push premiums down. Although more recent vehicles have more advanced features included like lane departure warning system, anti-lock brakes, and adaptive headlights which can provide discounts that lower premiums.

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper .

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.