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Auto Insurance Rates for New Teenage Drivers Forest City NC

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
114 E Dixon Blvd
Shelby, NC
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

A Plus Associates Insurance Inc
(828) 245-3937
179 West Main Street
Forest City, NC
Insurance Marketing
(828) 245-4236
568 West Main Street
Forest City, NC
Adams- Al
(828) 245-1260
540 Oak St
Forest City, NC
Myers Insurance Agency
(828) 287-8802
509 East Main Street
Spindale, NC
Nationwide Insurance CO - Agents
(828) 247-0003
968 South Broadway Street
Forest City, NC
Adams AL Insurance
(828) 245-1260
540 Oak Street
Forest City, NC
Alan G. Shuford Agency
(828) 248-9793
671 Oak St
Forest City, NC
Nationwide Insurance & Financial Services
(828) 247-0003
968 South Broadway Street
Forest City, NC
Hoyle of North Carolina Inc Insurance
(828) 287-3321
265 North Main Street
Rutherfordton, NC

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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