There are many options when trying to insure your vehicle. You can buy from an insurance agent or go online to compare insurance costs of companies. Comparing auto insurance by quoting online can be fast and easy and there is a good chance you may find lower rates.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Finding a lower price on 1997 insurance is a fairly straight forward process. You just have to take a little time to compare quotes provided by online insurance companies. This can be done by getting a quick quote here.

Insurance premiums for your 1997 can vary widely depending on several factors. Some of these factors include:

• Higher performance 1997 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the cost to replace them can inflate annual premiums. Conversely, new models have more advanced features such as traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can help offset higher rates.

Liability coverages

This coverage provides protection from damage that occurs to other's property or people. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM 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 doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.