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Auto Insurance Rates for New Teenage Drivers Bogalusa LA

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.

Moore & Jenkins Insurance Agency
(985) 732-7164
420 Avenue B
Bogalusa, LA
 
Bogalusa Indemnity Corporation
(985) 732-4251
432 Avenue U
Bogalusa, LA
 
Gar Real Estate & Insurance Agency
(985) 735-8000
531 Louisiana Avenue
Bogalusa, LA
 
Morvant Insurance Agency L L C
(985) 732-0064
411 Austin Street
Bogalusa, LA
 
A R M Insurance Agency Inc
(985) 732-4552
116 Alabama Avenue
Bogalusa, LA
 
Bateman George H
(985) 732-4251
432 Avenue U
Bogalusa, LA
 
A Victory Agency Insurance
(985) 732-0030
219 Superior Avenue
Bogalusa, LA
 
Sceroler- Lance R
(985) 735-9314
333 Huron Ave
Bogalusa, LA
 
Judy S Farmer Ins Agency Inc - State Farm Insurance Agent
(985) 735-6517
311 Louisiana Avenue
Bogalusa, LA
 
A ABA Auto Insurance Inc
(985) 732-0030
219 Superior Avenue
Bogalusa, LA
 

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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