Are there ways to get really cheap auto insurance for young drivers? First-time drivers might have a hard time finding really cheap auto insurance.

No. Young drivers will always pay more than someone who is over the age of 25.

There are hundreds of thousands of reasons why.

Numbers Don't Lie

• Motor vehicle crashes are the leading cause of death for 15 to 20-year-olds.
• 3,490: the number of 15-20 year olds that died in motor vehicle crashes in the U.S. in 2006
• 272,000: The number of 15- 20 year olds that were injured in motor vehicle crashes in the U.S. in 2006.

Even though drivers between the ages of 15 and 20 only make up 6% of people with driver's licenses, they make up 12.9% of the drivers involved in fatal crashes.

Really Cheap Auto Insurance for Young Drivers is Risky Business

Insurance companies determine their insurance rates using dozens of different factors. However, at the end of the day, all of their determining factors have one thing in common.

Your Rate is Based on One Essential Question:

"How likely will this young driver cost our company money?"

We're not just talking about the money the insurance company will have to pay to fix your car, or the car that you hit. We're also talking about the cost of paying for injuries or damage to people and property. You could also get slapped with a lawsuit.

So, depending on how likely you are to get into an accident (and cost the insurance company money), that's how likely you are to pay more for your auto insurance coverage.

As you can tell from the statistics above, getting really cheap auto insurance for young drivers is working against you. The only cure to inexperience is, well, experience. As a result, the longer you are on the road without getting a ticket or causing an accident, the more your rates will go down.

In the meantime, there are things you can do to get CHEAPER auto insurance as a young driver. Check out "10 Tricks To Get Cheaper Teen Car Insurance."

Skimping Can Cost you

It's one thing to save on quality car insurance. It's another thing to think you're saving money with really cheap auto insurance now and end up broke if you get in a accident.

Don't skimp on things like liability insurance for the sake of saving a couple of bucks. One fender bender could result in a lawsuit… and without liability coverage that could end up wrecking your entire financial future.

Shop Around

To find really cheap auto insurance make sure to get at least three quotes before you buy.Insurance rates, especially for young drivers, can be hugely different from company to company.