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Auto Insurance Rates for New Teenage Drivers Fremont NE

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.

Schollmeyer Hank
(402) 727-9618
740 East 23rd Street
Fremont, NE
 
Allstate Insurance-Wendy J Koci
(402) 721-5076
1840 N Bell St
Fremont, NE
 
Stork- Jo Ann M
(402) 721-5454
1900 E Military Ave
Fremont, NE
 
American Family Insurance Tony Hale Agency Inc - Hale Tony Agency Inc
(402) 721-2484
Po Box 1269
Fremont, NE
 
Pfeiffer- Diana L - State Farm Insurance Agent
(402) 443-3593
711 North Broadway Street
Wahoo, NE
 
Mussman- Gaylord W
(402) 727-4861
1455 N Bell St
Fremont, NE
 
Tim Lambert Ins Agency Inc - State Farm Insurance Agent
(402) 721-6303
747 North Broad Street
Fremont, NE
 
Mathison- Lois M
(402) 727-6200
2155 E 23rd St
Fremont, NE
 
Weisenberg- Robert P
(402) 654-2119
104 N Main St
Hooper, NE
 
Jason Arlt Ins Agcy Inc - State Farm Insurance Agent
(402) 289-4450
113 Hillrise Court
Elkhorn, NE
 

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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