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Auto Insurance Rates for New Teenage Drivers Brainerd 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.

Action Insurance Brokers
(218) 829-1166
722 S 6th St
Brainerd, MN
Paul Gazelka Ins Agency Inc - State Farm Insurance Agent
(218) 829-9694
15229 Edgewood Drive Ste 100
Brainerd, MN
State Farm Insurance CO Claim OFC
(218) 829-8728
17021 Commercial Park Drive
Brainerd, MN
Christenson Agency
(218) 534-3115
21236 Archibald Road
Deerwood, MN
Allstate Auto Insurance
(888) 355-7971
7432 Bristol Village Dr
Minneapolis, MN
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Insurance - Charles J. Brenny
(218) 828-8821
317 Washington Street
Washington St, MN
Isackson- Charles M
(218) 829-1764
525 Washington St
Brainerd, MN
RG Insurance Incorporated
(218) 828-1310
17122 State Highway 371
Brainerd, MN
Allstate - Tom Baecker
(612) 217-4925
373 Pedersen St. Ste. 104
Saint Paul, MN
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
5773 Egan Dr
Savage, MN
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

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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