Drivers have lots of options when attempting to insure your vehicle. You can buy direct from a local agent or price shop online to compare pricing from multiple companies. Comparing car insurance online is simple to do, plus you might just save a little.

Using the web to shop for car insurance direct can be difficult if you have never used quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The fastest way to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these factors

Auto insurance rates paid to insure a 1997 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the costs to repair can decrease annual premiums. Conversely, newer models may have a trim level with safety features such as lane departure warning system, traction control, and autonomous braking that may help provide discounts that lower premiums.

Liability coverage

1997 liability coverage protects you from damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.