Good car insurance policies for young drivers include good student discounts and accident forgiveness, according to Nationwide Insurance. The company's studies show that students with a B average or higher are typically better drivers.
Nationwide Insurance recommends that young drivers have collision coverage, uninsured or underinsured motorist coverage, and rental car reimbursement as part of their policies. Collision coverage pays for damage caused by another vehicle or in a rollover accident. Uninsured or under insured coverage pays for vehicles damaged by people without adequate insurance coverage or when the other driver is unidentifiable. Rental car reimbursement pays for a rental car or public transportation in at-fault accidents.