You have many choices when attempting to insure your vehicle. You can either buy through a local agent or get quotes online to check prices from insurance carriers. Finding cheaper auto insurance by getting online quotes saves time, is easy to do, in addition you might just save a little.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine

Auto insurance rates for a 1997 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. On the flip side, newer models may have a trim level with safety features like traction control, tire pressure monitors, a collision avoidance system, and a telematics system so those may give discounted rates.

Liability

This protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1997 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since a lot of drivers 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 should not be overlooked.

Medical costs insurance

Med pay and PIP coverage kick in 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. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.