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Choosing an auto insurance policy can be tricky business, especially when there are so many factors to consider within each policy besides car insurance rates. Whether you're choosing the amount of liability coverage to purchase, deciding whether to add comprehensive and collision coverage, or contemplating extras like personal injury protection and gap coverage, there's a lot to think about.

What's interesting about selecting coverage is that personal circumstances almost always play a role in what is best for us. However, most of us consider price more than our circumstances when choosing our coverage.

If you're interested in choosing the right coverage based on your life then it's a good idea to take a look at the auto insurance matrix below. It could help you determine which type of coverage or rider could work for you based on specific preferences or circumstances.

Auto Insurance Matrix: Choosing the Right Coverage

	Bodily Injury & Property Damage Liability	Uninsured / Underinsured Motoritst Bodily Injury Liability	Personal Injury Protection (PIP)	Comprehensive	Collision	Gap Coverage
If insurance is required by your state
If you have an old car
If your car is new or financed
If you have no health insurance
If you have health insurance but a frequent driver or passenger does not
If you live in an area with wild animals
If your area is prone to natural disasters
If you owe more than your car is worth
If you ever park on a lot or street
If you have a teen driver
If you live in a high-crime neighborhood
Expect a deductible with

(The numbers represent the minimum coverage to purchase per scenario)

Note: Some states require uninsured or underinsured motorist bodily injury liability, as well as personal injury protection. Check with your state's Department of Transportation for more information.

A recent study released by The Allstate Foundation revealed that teens' attitudes toward driving have worsened in the past few years. The study, Shifting Teen Attitudes: The State of Teen Driving 2009, is a follow up to a 2005 study that also looked at teen attitudes behind the wheel.

The results could definitely have parents biting their nails as they consider teen driving and the high auto insurance quotes they're likely to see.

Stats from the Study

The study on teen driving took the form of a survey conducted by online interviews among 1,063 teens nationally in May 2009. Some of the following responses are from teens regarding driving:

• 82 percent of teens report that they use cell phones while driving.
• 23 percent admit to drinking and driving.
• 48 percent of girls and 36 percent of boys admit they are likely to speed more than 10 mph over the limit.
• 16 percent of girls and 13 percent of boys describe their driving as aggressive.

What's surprising about the results is that girls seem to exhibit more dangerous behavior than boys. However, young men still traditionally pay more for auto insurance premiums.

What to Do as a Parent

If you are the parent of a teen, then you must be concerned about these numbers. However, the good news is that 82 percent of teens want to be known as a safe/skilled driver. It's a good idea to take advantage of this desire to do right by promoting responsible teen driving.

But even more important is to secure auto insurance for your teen so that you know that if an at-fault or not-at-fault accident occurs, your teen (and vehicle) will be protected.

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