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Auto Insurance Rates for New Teenage Drivers Fort Morgan CO

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.

Siebrands- Kelly J - State Farm Insurance Agent
(970) 867-3028
501 West Platte Avenue
Fort Morgan, CO
 
Farmers Insurance
(970) 867-9322
14973 USHighway 34
Fort Morgan, CO
 
Allstate Auto Insurance
(888) 355-7971
2812 W Colorado Ave
Colorado Springs, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate - David Harrington
(866) 601-6625
4800 Baseline Road, Suite D200
Boulder, CO
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate - Mike Mcfarlin
(303) 816-8759
12200 E. Briarwood Ave., Suite 280
Centennial, CO
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Holzworth- Charlene K - State Farm Insurance Agent
(970) 867-9424
220 State Street Ste 1
Fort Morgan, CO
 
Gregg Mullen Insur Agcy Inc
(970) 842-4555
209 Clayton St
Brush, CO
 
Allstate Auto Insurance
(888) 355-7971
9789 W Coal Mine Ave
Littleton, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
5500 S Quebec St
Greenwood Village, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
115 W Victory Way
Craig, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

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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