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Auto Insurance Rates for New Teenage Drivers Dodge City KS

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.

Kunz- Karl
(620) 225-5631
2520 N 14th Ave
Dodge City, KS
 
Gall & Jones Insurance
(620) 225-0114
210 West Spruce Street
Dodge City, KS
 
Obando- Oscar - State Farm Insurance Agent
(620) 408-9392
506 Avenue B Ste 3
Dodge City, KS
 
The Insurance Center of Kansas
(620) 225-1418
2204 1st Avenue
Dodge City, KS
 
Mullin Apartments
(620) 225-0114
210 West Spruce Street
Dodge City, KS
 
Blue Shield Professional Services Department
(620) 225-0884
100 Military Avenue
Dodge City, KS
 
Tuchez- Marina Y
(620) 408-9392
506 Avenue B
Dodge City, KS
 
Nelson Jim Insurance
(620) 225-1418
2204 1st Avenue
Dodge City, KS
 
Reddell Gregory
(316) 225-5631
2520 N 14th Ave
Dodge City, KS
 
Sowers- Rob - State Farm Insurance Agent
(620) 225-5613
2500 Central Avenue Ste 3
Dodge City, KS
 

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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