Shopping for car insurance from online rate quotes saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare the lowest priced insurance.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates and find the best price. The best method to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Car insurance premiums on a 1997 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. Although newer vehicles may have safety features included like a collision avoidance system, forward-collision avoidance, and active head restraints which can help offset higher rates.

Liability insurance - This can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - Collision coverage covers damage to your resulting from a collision with an object or car. You will need to pay your 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 older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive protection - This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.