Comparing auto insurance online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting rates from all companies so you can get all your choices.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by completing this short form.

Insurance premiums on a 1997 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1997
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair may end up costing you more. Although more recent vehicles have more advanced features included like lane departure warning system, traction control, and autonomous braking that may help give discounted rates.

Liability coverage

This will cover damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1997 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.