Buying car insurance from online companies is easy and at the same time you might just save a little. The key is getting rates from all companies in order to accurately compare the best prices.

People who are new to comparison shopping may think shopping for low-cost 1997 insurance can be quite difficult. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. One of the best ways to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates on a 1997 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. But newer models may have a trim level with safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability coverage - Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverages - Collision insurance pays for damage to your resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 1997 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured and underinsured coverage - This provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.