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Auto Insurance Rates for New Teenage Drivers Boone NC

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.

Farm Bureau Insurance - Sub Office
(828) 262-9638
135 State Farm Road
Boone, NC
 
McDonough- Andrea M - State Farm Insurance Agent
(828) 264-2744
154 East King Street
Boone, NC
 
Blue Ridge Insurance Service Inc
(828) 264-2393
2208 USHighway 421 North Suite 2
Boone, NC
 
Kincaid Ins Agency
(828) 264-8732
2348 Hwy 105 P.O. Box 2017
Boone, NC
 
Nationwide Insurance
(828) 264-8777
379 New Market Boulevard
Boone, NC
 
M. Andrew Harkins Agency
(828) 265-2639
166 Boone Heights Dr
Boone, NC
 
Greystone Insurance
(828) 264-2626
1064 Meadowview Dr
Boone, NC
 
Boone Insurance Agency Inc
(828) 264-8732
2348 Highway 105
Boone, NC
 
Denton Insurance Agency
(828) 264-3991
324 Nc Highway 105 Ext Ste 14
Boone, NC
 
Allstate Insurance Company
(828) 264-6828
105 Extension Building # 600
Banner Elk, NC
 

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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