Function

• A car insurance policy will cover damages to another person's property and physical injuries, if either or both were caused by the insured driver. Some policies will also pay for repairs to the insured driver's vehicle, whether he caused them or something or someone else, such as an uninsured driver or a hailstorm, caused them. A young male driver should determine what type and how much insurance he will need. He should then shop around with several agencies to find the best deal.
  
  

Types

• Comprehensive car insurance is the most inclusive type. That also makes it the most expensive. If you are trying to save money, you should probably look at other types, unless you are financing your car. If so, full coverage will be required. Fire and theft insurance covers less than comprehensive. It will pay you if your car is stolen or damaged by fire, though. This type costs less than full coverage, but third-party insurance is the most affordable. This basic type of insurance covers only damage caused by the insured party to another vehicle or person.
  
  

Features

• A clean driving record equals a lower insurance premium. Strive to keep yours free of speeding tickets and other citations. If you do receive a ticket, find out if you have the option of taking a defensive driving course to avoid having points added to your license. More points mean a higher payment. In addition, if you are currently a student, the higher your grade average is, the lower your premium might be. Ask insurance companies how these qualities will get you cheaper insurance.
  
  

Considerations

• Choosing the right car will also help you get the cheapest insurance. As a rule, the less expensive a car is, the cheaper the insurance will be. Domestic vehicles usually help you garner a lower rate, as do slower ones. Six cylinders cost less to cover than eight, and four cylinders will be cheaper than six. Forget about a hot sports car or sporty SUV. If your goal is affordable insurance, a four-door or minivan will be your best bet.
  
  

Prevention/Solution

• When shopping around for car insurance, ask questions. Find out about every discount available to see if you qualify for any. By limiting the amount of driving you do, you can substantially lower your rates. Finally, set a higher deductible. You will pay more out of pocket if you are involved in an accident, but you will pay less up front. Besides, by continuing to drive safely in your sensible car, your likelihood of having any accidents will greatly decrease!