According to Bankrate, the percentage of drivers out on the road driving without auto insurance is 6%. It's never a good idea to drive without insurance, especially for new drivers. If you are a new driver, these few tips can help you find a policy that is right for you.

Less Experience Could Mean More Dings

Remember that new drivers don't have a lot of experience. This could mean that they suffer a higher number of dings or fender benders as they gain the experience they need. If you're new to driving on the road, you may want to consider a policy that offers a lower deductible for your first few years. Sitting down with a qualified agent is the most effective way to determine your needs and find the right policy to meet them.

Decide Which Features Matter

It seems like insurance companies are adding new features and benefits to their auto insurance policies every year. You can now get roadside assistance, GPS guidance, and many more features through your auto policy. Before deciding which features are of interest to you, you'll want to establish your priorities. For example, a new driver might find that towing services and car rental coverage are more important than having insurance while driving overseas. There's sure to be a policy option that's perfect for the unique needs of a new driver.

Make Sure the Vehicle Is Covered

In addition to collision and liability coverage, you'll want to make sure that your policy provides protection for the vehicle. This level of protection ensures that you'll be able to replace your car should it be totaled. Also, keep in mind that if your car is pre-owned, your vehicle's replacement value will vary. You don't want to have your car totaled and then find out that your policy doesn't provide adequate funds to purchase a new vehicle.

If you're in need of auto insurance, T.R. Williams Insurance Agency is here for you. Our team of highly skilled agents and staff are here to help you find the right auto insurance policy for your unique needs. Give us a call today or stop by our office to find out more about the full range of policies that we currently offer.