Before you begin calling around, it’s important that you determine the level of car insurance  coverage you need.  Car insurance needs for young drivers are not the same for every young driver.  Some families own two or three very expensive vehicles, while other families own only older used cars.  Some people are members of AAA, while others are not.  The specific terms of a policy should be determined by your life situation and the value of the items being insured.

Many young people rush through the process of purchasing car insurance and simply accept the lowest quoted premium, and they typically don’t take the time to go through the policy and instead select only those components that they absolutely need.  It’s a common misconception that there are only two basic types of insurance – liability or comprehensive, however this couldn’t be further from the truth.  Car insurance is typically made up of about eight components.  While some of these components are required by state law, many of them are not.  Make sure to check with the department of insurance office for your state (see the links above) to determine which of coverage is optional.  The various types of coverage are outlined here.