You have many choices when looking for the best insurance on your vehicle. You can either buy through a local agent or go online to check prices from insurance providers. Comparing car insurance by comparing rates online can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The best way to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine

Auto insurance rates for a 1997 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1997 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may give discounted rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.