Buying auto insurance through online rate quotes saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to take the time to get rates from all providers so you can compare the lowest priced insurance.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Getting better can be surprisingly simple. Just take time to get quotes online from several insurance companies. This can be accomplished by visiting this page.

Auto insurance rates paid to insure a 1997 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 1997
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the costs to repair can inflate annual premiums. Conversely, new models may have a trim level with safety features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which can provide discounts that lower premiums.

Auto liability - This provides protection from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto coverage - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.