Finding cheaper car insurance from online companies can be fast and easy and there is a good chance you will probably save money. The most important part is getting rates from all companies in order to have the lowest rate quotes.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Insurance rates on a 1997 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 1997
• Your profession
• The level of coverage
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so the cost to replace them may result in lower rates. Conversely, new models may have options such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors that may help lower rates.

Liability coverage

This coverage provides protection from damage that occurs to people or other property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1997 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.