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Auto Insurance Rates for New Teenage Drivers Grand Junction 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.

Allstate Auto Insurance
(888) 355-7971
599 Redwing Ln
Grand Junction, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Arrietta-Truitt Maria Insurance OFC of Grand JCT
(970) 241-9791
2500 North Avenue
Grand Junction, CO
 
State Farm Insurance Agents
(970) 254-9839
1204 North 7th Street
Grand Junction, CO
 
Farmers Insurance Group
(970) 241-4229
1354 East Sherwood Drive
Grand Junction, CO
 
New York Life
(970) 683-5060
205 North 4th Street
Grand Junction, CO
 
Allstate Auto Insurance
(888) 355-7971
1950 Barcelona Way Unit F104
Grand Junction, CO
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Dirst- Martin J - State Farm Insurance Agent
(970) 242-3202
1204 North 7th Street
Grand Junction, CO
 
American Family Insurance
(970) 523-4466
70 Business Loop
Grand Junction, CO
 
Farmers Insurance Bennett Agency
(970) 245-7746
1208 Orchard Avenue
Grand Junction, CO
 
Williams- Harry E - State Farm Insurance Agent
(970) 242-9951
640 Rood Avenue
Grand Junction, CO
 

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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