If you're out there looking for cheap car insurance for young drivers and you're just starting out, you may be wondering what all to look for in a good insurance policy, if it' a good idea to get full coverage, or just your basic insurance that is required by the state. Here is a guide at what to look for when you go to get insurance.

You may be surprised at how much car insurance is actually going to cost. Car insurance companies charge more for younger drivers because of what they feel is lack of experience. There are some statistics that younger drivers are more likely to get in an accident in their first few years of driving than any other time. This is especially true if you are under the age of twenty-five. If you are just starting out, you may have to wait two or three years before you see a significant drop in price. Car insurance for young female drivers is less than for their male counterparts because insurance companies see males as a higher risk for accidents than females.

Next you should consider all the different types of insurance there are out there. If you're a teenager, and you're driving your parents car, you will probably just be added to their insurance and you might just have to cover the difference on the bill. But if you've managed to get your own car, you're going to need your own policy. If you have an older car, you may not really be interested in getting full coverage insurance due to the fact it just wouldn't pay out in the end if by chance you were to get into an accident and the car was totaled out. You may just want to stick with what is required by state. This is the least expensive way to go. How much you need to have to cover your car varies by state to state, so make sure and ask your insurance company what the state requirements are. There are other types of coverage you can add on such as bodily injury liability which would cover other peoples injuries or death if you get into an accident and you are found at fault. There is also collision which pays to fix your vehicle if by chance you are in an accident with another car or an object hits your car. One thing that I think is wise to add is the uninsured motorist bodily injury. This covers any injury that you or anyone riding with you might suffer at the cause of another driver who is un-insured. Another one that is good to add on is rental car reimbursement. This will allow you to get a rental car while yours is being looked at or being fixed so you are able to drive it again. Some other things to take into consideration are what kind of deductible you will have. You will want to get the lowest deductible you can. You'll want to shop around a few different places to see who can give this to you.

Here are a couple of different places you might consider getting your car insurance from and that will give better rates to younger drivers.

You've probably seen the commercials on TV with the little green Geico gecko lizard. Geico is a well-established company that tries to offer its drivers the lowest prices possible. They offer several different types of insurance policy types available, and may have the cheapest car insurance for young drivers. They offer collision coverage, uninsured motorist coverage, medical payments or no fault injury coverage, comprehensive physical damage coverage plus much more. They also offer the rental reimbursement, emergency road services, and mechanical breakdown insurance. We've already talked about the rental reimbursement but here's a look at the two other services they offer. Emergency road services is when Geico will help you with unexpected things that happen like if you were to get a flat tired or lock yourself out of your car. Normally, most insurance companies don't help in those situations. Geico offers these services starting out as little as $12 a year. This is 24 hours a day, 365 days a year. They also offer emergency towing services. Mechanical breakdown coverage is there to cover most breakdowns in your car if your warranty has run out. The great thing is it's only a $250 deductible. For more information on Geico, you can call them toll free at: 1-800-861-8380.

Esurance is another place you might consider that specializes in car insurance for new young drivers. They offer customers the chance to customize their policies by simply going to their website and using the internet. They offer many different types of insurance to cover whatever your needs are, and they are more than happy to answer any questions you might have about what is right for you and your car. For information, you can call Esurance at: 1-800-378-7262.

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