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Auto Insurance Rates for New Teenage Drivers Grand Forks ND

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.

State Farm Insurance Agencies - Peterson Wayne F CLU
(701) 772-5987
2100 South Columbia Road
Grand Forks, ND
 
Allstate Insurance Companies
(701) 746-5410
1425 South Columbia Road
Grand Forks, ND
 
Plaza Insurance Agency Inc
(701) 775-3915
1726 South Washington Street
Grand Forks, ND
 
George E Wogaman Agency Incorporated
(701) 772-7108
2612 Gateway Drive
Grand Forks, ND
 
State Farm Insurance Agencies
(701) 772-5191
1521 24th Avenue South
Grand Forks, ND
 
Opdahl- Sharon L
(701) 746-0495
2534 17th Ave S
Grand Forks, ND
 
Larson- Marilyn J - State Farm Insurance Agent
(701) 746-9722
2600 Demers Avenue Ste 105
Grand Forks, ND
 
Randy Fenley Ins Agency INC - State Farm Insurance Agent
(701) 772-5684
2750 South 26th Street Ste A
Grand Forks, ND
 
Farmers Insurance Ageny
(701) 780-8888
1604 South Washington Street
Grand Forks, ND
 
Kouba- Kevin
(701) 772-4813
724 N Washington St
Grand Forks, ND
 

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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