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Auto Insurance Rates for New Teenage Drivers Hartselle AL

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 - Carolyn Lankford
(866) 608-0137
7771 Highway 72 W Ste A
Madison, AL
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
1726 Cherokee Ave SW
Cullman, AL
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Howse- Charles M - State Farm Insurance Agent
(256) 773-6575
603 Main Street West
Hartselle, AL
Alfa Insurance - Hartselle
(256) 773-2580
241 Highway 31 Southwest
Hartselle, AL
Insurance of North Alabama Inc
(256) 355-7951
2601 Danville Road Southwest
Decatur, AL
Allstate - Becky L. Gordon
(866) 602-3702
7771 Highway 72 W Ste A
Madison, AL
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Hughey- Chad
(256) 773-8632
1511 Highway 31 SW
Hartselle, AL
Burdette- William F
(256) 773-0465
1210 Highway 31 NW
Hartselle, AL
Garner Insurance
(256) 351-8210
901 Wimberly Drive Southwest
Decatur, AL
Allstate Insurance - Wendy Hall
(256) 351-7100
2701 Highway 31 South
Decatur, AL

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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