Thanks to the current global economic meltdown, it is even more necessary than ever to find an affordable car insurance quote for teenagers. A benefit of searching for an auto insurance quote online is the fact that you only have to input your details once rather than repeatedly providing the information to providers individually. The usual information that you will need to give in order to get an auto insurance quote for teenagers is listed below.

Here is some of the information you should have to hand when searching for your affordable auto insurance quote:

Driver Details

Address (or zip code)

Age

Gender

Any tickets

Any accidents

Car Details

Make

Model

Year

Estimated annual mileage

Type of use

Type of coverage required (see note below)

Liability Coverage

This is the most common type of cover and is legally required in most states. It pays for bodily injury and/or property damage resulting from an accident caused by the policyholder up to the coverage limits. It is always a good idea to consider purchasing a higher amount of coverage than the state's minimum requirements since they are relatively low and in all honesty, quite unrealistic. In the event that the costs resulting from an accident exceeds the limits of the policy, the policyholder will be responsible for the remainder of the compensation due to the victim if they are found liable for causing the traffic accident.

Comprehensive Coverage

This covers a vehicle that is stolen, suffers fire damage or is vandalized. It the vehicle concerned is being financed then the lender usually requires that they have this auto insurance coverage in order to ensure that the vehicle in which they have invested will be repaired if involved in an accident.

Collision Coverage

Unlike liability coverage, collision coverage is designed to cover the policyholder's vehicle. It is often combined with comprehensive coverage and includes collisions with other vehicles, animals or objects, theft, fire, vandalism, flying object (of the identifiable kind), broken windows and hail. There is usually a deductible that is involved when purchasing this coverage, the normal amounts being $250, $500 and $1,000. This is the amount that the insured would have to pay in the event that they filed a claim. Of course, the higher the deductible, the lower the premium and vice versa.

No-Fault Cover

If you have no-fault coverage, your own auto insurance policy would pay for medical bills and lost wages incurred through an accident no matter whose fault it was.

Uninsured and Underinsured Motorist Cover

There are some states that make this a requirement even if it is not a beneficial addition to the auto insurance policy. This will compensate the insured and their passengers, (if any), for bodily injury and vehicle damage caused by drivers that do not have any insurance of who do have insurance but with insufficient cover. It also protects the insured if they become victims of a hit and run driver.

Other coverage that you should be aware of are:

Roadside Assistance

These plans vary but usually cover towing costs, tire replacements, battery service, locksmith services and emergency gasoline supply.

Rental Car Coverage

This will pay the cost of renting a car in the event the insured files a claim and must take their vehicle to the repair shop or if they have their car stolen. It usually covers no more than 30 days.

Medical Payments

The insured under this type of auto insurance coverage will be compensated for medical and/or funeral expenses up to the policy limit.

The bottom line is that by comparing affordable auto insurance quotes online, you can find cheaper car insurance because you increase the chances of finding the provider offering you the lowest prices.