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Auto Insurance Rates for New Teenage Drivers Cheyenne WY

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.

Olson- Ronald D
(307) 635-1981
2320 Dell Range Blvd
Cheyenne, WY
 
Poulignot- Jay D - State Farm Insurance Agent
(307) 638-0286
3348 Ridge Road
Cheyenne, WY
 
Riedman Corporation
(307) 635-2222
2424 Pioneer Ave Ste 405
Cheyenne, WY
 
Palluck Ed Agency
(307) 635-2208
604 West Lincolnway
Cheyenne, WY
 
Tom Segrave Insur Agency Inc - State Farm Insurance Agent
(307) 632-9103
7000 Yellowtail Road Ste 210
Cheyenne, WY
 
Medina- James A
(307) 634-2400
1716 Warren Ave
Cheyenne, WY
 
Farmers Insurance Group - Tammen Tom
(307) 634-9011
4110 Ridge Road
Cheyenne, WY
 
Ose- Alan J - State Farm Insurance Agent
(307) 778-7770
1022 East Pershing Boulevard
Cheyenne, WY
 
Mauch- Rex M
(307) 635-3773
3020 Henderson Dr
Cheyenne, WY
 
New York Life Insurance
(307) 772-8000
1113 Twin Mountain Road
Cheyenne, WY
 

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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