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Auto Insurance Rates for New Teenage Drivers Cottonwood AZ

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 Insurance - Yvonne Buckner Biondi
(928) 649-1797
56 S Main St Ste. 6
Cottonwood, AZ
 
DeGeer- Robert J - State Farm Insurance Agent
(928) 634-7680
545 South Main Street
Cottonwood, AZ
 
Wanda Cheers
(928) 284-3400
6486 Highway 179
Sedona, AZ
 
American Family Insurance William Linnemon
(928) 282-0710
2081 West Highway 89A
Sedona, AZ
 
Shermantine Ins Agcy Inc - State Farm Insurance Agent
(928) 282-1242
1725 West Highway 89A Ste A
Sedona, AZ
 
All Price Insurance
(928) 634-2311
116 North Main Street
Cottonwood, AZ
 
Rosenow- Neil D - State Farm Insurance Agent
(928) 634-2763
879 Cove Parkway
Cottonwood, AZ
 
Fleckenstein- Terrance A
(928) 204-4437
140 Coffee Pot Dr
Sedona, AZ
 
State Farm Insurance CO
(928) 282-3526
2756 West Highway 89A
Sedona, AZ
 
State Farm Insurance Companies - Agents
(928) 282-3526
2756 West Highway 89A
Sedona, AZ
 

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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