You have lots of choices when shopping for car insurance for your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare pricing from a lot of car insurance companies. Buying car insurance through online companies is easy and at the same time you will probably save money.

People who are new to comparison shopping may think finding low-cost 1997 insurance is difficult. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. By far the easiest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact ?

Insurance rates on a 1997 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 1997
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Being married can lower rates
• Special coverage such as replacement cost
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the cost to replace them will push premiums down. Conversely, newer vehicles may have options such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control which may provide discounts that lower premiums.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.