Some vehicles are more expensive to insure

Some vehicles are more expensive to insure than others. Rates are usually very high when a person is under the age of 23. While some of these types of coverage are required by state law, some are considered optional. . If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. Although purchasing only the minimum can get you a cheap auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately. It doesn't matter how good your driving record is. The best way to get the best rate with a younger driver is to insure the cheapest vehicle possible with the least amount of insurance needed. If you're sued and your liability insurance doesn't pay for all of the damages, your personal finances are on the hook, and it's likely you'll become a target.