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Auto Insurance Rates for New Teenage Drivers Clinton IA

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.

Allstate Auto Insurance
(888) 355-7971
1016 15th Ave
Fulton, IL
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Ken Kroemer Insurance
(563) 242-2464
239 5th Avenue North
Clinton, IA
 
The A C Root Agency Inc
(563) 242-2454
1127 North 2nd Street Suite A
Clinton, IA
 
Allstate Insurance Companies
(815) 625-1535
205 West 2nd
Morrison, IL
 
O'Neill- Sherlock M - State Farm Insurance Agent
(563) 659-3116
1133 11th Street
De Witt, IA
 
Core-Vens & Company
(563) 242-5423
2301 North 2nd Street
Clinton, IA
 
Reed- Jeffrey J - State Farm Insurance Agent
(563) 242-8814
148 5th Avenue South
Clinton, IA
 
Neblung- Ronald H - State Farm Insurance Agent
(563) 242-3400
1300 South 14th Street
Clinton, IA
 
Gundlach- Ruth V - State Farm Insurance Agent
(815) 772-2101
619 East Lincolnway
Morrison, IL
 
Sentry Insurance
(563) 289-4098
1805 Pineo Grove Lane
Princeton, IA
 

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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