Shopping for auto insurance from online rate quotes is easy, plus you might just save a little. The key is getting as many rate quotes as possible so you can compare the best prices.

Consumers not familiar with buying insurance may think shopping for cheap 1997 insurance is more work than they want to put in. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by these things

Auto insurance rates for a 1997 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 1997
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. Conversely, new models may have a trim level with safety features such as a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help provide discounts that lower premiums.

Liability insurance - Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverages - Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. 1997 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.