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Auto Insurance Rates for New Teenage Drivers Albert Lea MN

How to get the cheapest auto insurance rates for 16 year old male drivers and other teenage drivers. Car insurance is expensive but there are ways to minimize the cost if you know how.

American Family Insurance
(507) 377-7328
1907 East Main Street
Albert Lea, MN
 
Rechtzigel- Gary E - State Farm Insurance Agent
(507) 373-7717
1506 East Main Street
Albert Lea, MN
 
Klatt- David J
(507) 373-2377
106 S Broadway Ave
Albert Lea, MN
 
New Richland Insurance
(507) 465-8111
132 Broadway Avenue North
New Richland, MN
 
Meyer- Gregory L
(507) 433-3489
1110 1st Ave SW
Austin, MN
 
Vanderwaerdt- Nancy
(507) 377-0227
504 Bridge Ave
Albert Lea, MN
 
Allstate Insurance Companies
(507) 373-7074
206 West Clark Street
Albert Lea, MN
 
Dawald- Jc
(641) 324-2141
88 8th St N
Northwood, IA
 
Farmers Insurance
(507) 433-1033
1105 West Oakland Avenue
Austin, MN
 
Justice- Steven R - State Farm Insurance Agent
(507) 437-4447
108 3rd Avenue Northwest
Austin, MN
 

Auto Insurance Rates for New Teenage Drivers

Since 16 year old teens cannot legally sign contracts, including car insurance agreements, they typically get insurance coverage by being added to their parents' existing auto insurance policy. Until they are 18 years old, teens cannot buy their own insurance.

If a teen is added as a occasional driver for an existing family car that is also driven by other family members, rates will be much lower than if the he/she is a primary driver on his/her own car. The cost of adding a driver to an existing family car insurance policy is always cheaper than taking out a separate policy.

Adding a 16 year old male teenager to a family's car insurance could easily double the cost. The exact amount of the cost increase depends on a number of factors, which we'll discuss in a moment.

Teens and their families often are tempted to try and avoid the higher cost by listing a teen as an occasional driver when they are actually a primary driver, or simply not listing the teen at all. It may seem that the scheme is working for a while — until the first time the teen is involved in an accident or receives a traffic ticket. If an accident is the teenager's fault, the insurance company has a right to deny any claims resulting from the accident, which could be financially devastating if damages and injuries are extensive. Furthermore, the company would likely cancel the family's insurance. Auto insurance companies are not dumb. They've seen every trick in the book.

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