I first kissed when I was fifteen.
I first had sex at 18 but not until I was engaged. I promised myself it would be the right guy that I gave it to. It was actuallly right after he asked me. I would say wait until you know its someone that you want to spend the rest of your life with. He had sex with one other girl and regrets it. He wishes I was his first to, though his values are different. Sex isn't as sacred to him.
I just think that sex is for people that really love eachother and if you get pregnant, make sure its with someone who would want to be the father of the child and your husband.
My cousin is 13 now, she was 12 when she lost her virginity due to peer pressure. Now she sends nude photos to guys and has a new boyfriend that she does all sorts of sexual things with. Where I am going with this is, the younger and more people you have sex with, it will make sex less emotional to you. By the time she is my age (still 18), she will be less valuable. Also, she had to move to a completely new town because her reputation got so bad.
Just be careful and make sure that you really love that person, they really love you and that you want to grow old together :)