Comparing car insurance by comparing rates online is easy and at the same time you may find lower rates. The key is getting rates from all providers in order to accurately compare the best prices.

Beginners to comparison shopping may think shopping for affordable 1997 insurance is going to be difficult. The are a couple different ways to compare quotes from local car insurance companies. One of the best ways to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Insurance premiums paid to insure 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
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so the costs to repair will push premiums down. On the flip side, newer models have more advanced features like forward-collision avoidance, adaptive cruise control, and active head restraints that may help help offset higher rates.

Auto liability insurance - Liability insurance protects you from damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverages - This coverage pays for damage to your from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive insurance - This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. 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 other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not available in all states and may carry a deductible.