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Auto Insurance Rates for New Teenage Drivers Auburn AL

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.

McGhee- Larry N
(334) 821-3793
818 E Glenn Ave
Auburn, AL
 
Powell- Sara Kathryn - State Farm Insurance Agent
(334) 501-8245
2408 East University Drive Ste 104
Auburn, AL
 
Jones Tim Insurance
(334) 826-6888
124 North Dean Road
Auburn, AL
 
Nationwide Insurance & Financial Services
(334) 745-6238
3903 Pepperell Parkway Suite B
Opelika, AL
 
Sheehan Rusty
(334) 745-6303
907 2nd Avenue
Opelika, AL
 
Clowdus- Phillip W - State Farm Insurance Agent
(334) 887-8541
1141 Opelika Road
Auburn, AL
 
University Agency Inc
(334) 887-6569
611 East Glenn Avenue Suite B
Auburn, AL
 
Jenkins Frank W Jr Insurance
(334) 821-8541
1141 Opelika Road
Auburn, AL
 
Alfa Insurance - Opelika
(334) 749-3371
709 2nd Avenue
Opelika, AL
 
State Farm Insurance Companies - Agents
(334) 745-6303
907 2nd Avenue Suite A
Opelika, AL
 

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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