Comparing car insurance by quoting online is simple to do, plus you may find lower rates. The critical component is to compare as many rate quotes as possible in order to accurately compare the lowest prices.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these things

Insurance premiums for a 1997 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1997
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so repair costs tend to be lower which can decrease annual premiums. Conversely, new models have more advanced features such as all-wheel drive, a rollover prevention system, and adaptive headlights so those may help offset higher rates.

Liability coverages - 1997 liability coverage provides protection from damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1997 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available and may carry a deductible.