1. Match your coverages to your specific needs. Insurance is not one size fits all. Have your agent explain each and every coverage that you are paying for. Use this information to help determine if your coverage fits your circumstances.

Inexperienced drivers have accidents. Of course they do; anyone learning a new set of skills is bound to make a mistake. In fact, new drivers between the ages of 16 and 22 are 96% more likely to have some type of auto accident. It may just be a fender bender or something much more serious. They’re going to have an accident; the severity is the question.