It doesn't matter if you have just passed your test or you are a seasoned driver, ensuring you don't pay more than you need to for your auto insurance is important as the cost of owning a vehicle continue to rise. There are many different types of auto insurance coverage to choose from, depending on what you want covered and what you can afford. Some of the components of auto insurance are bodily injury liability, property damage liability, medical payments coverage, uninsured or underinsured motorist coverage, comprehensive coverage, and collision coverage. It can be frustrating to be a young driver. Most insurers consider them to be a high risk group, especially younger males. Because they are considered high risk insurers can be reluctant to offer a competitive quote. Some companies may even refuse to do business with you at all based on your age. Luckily some providers are available which will be able to offer you more affordable cover. Most parents often make the mistake of going through local agents to get cheap car insurance. Going through local agents can often be a time consuming task. This will often involve you to have to take time away from work and setting up appoints with a n agent to get your information. It will be nearly impossible to get cheap car insurance rates this way because there is no competition amongst the local insurance companies in your area. And when there is competition, insurance providers will slash rates just to get you as a customer. Online insurance providers frequently offer a saving to customers who purchase online. Get a variety of quotes from online comparison websites. Also get some quotes from firms who specialize in cheap car insurance for young drivers. If you are willing to shop around you should be able to find an affordable policy which is well suited to your individual needs.