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Auto Insurance Rates for New Teenage Drivers Helena MT

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 Companies - Claims Office
(406) 443-0694
2601 East Broadway Street
Helena, MT
 
Farmer's Union Insurance
(406) 443-4630
1900 North Last Chance Gulch Street Suite 4
Helena, MT
 
Harper- Michael S
(406) 442-8530
25 Neill Ave Ste 211
Helena, MT
 
Grimsrud- Gayle L - State Farm Insurance Agent
(406) 449-8793
1303 11th Avenue
Helena, MT
 
MacLaurin Insurance Agency Inc - State Farm Insurance Agent
(406) 443-0867
601 Euclid Avenue Ste D
Helena, MT
 
State Farm Insurance Companies - Agents- Maclaurin James Buck
(406) 443-0927
601 Euclid Avenue
Helena, MT
 
Farmers Union Insurance
(406) 443-4630
1900 North Last Chance Gulch Street Suite 4
Helena, MT
 
Farmers Insurance Group - Claims Representative
(406) 442-5250
321 8th Avenue
Helena, MT
 
Thompson Bill Insurance
(406) 443-4630
1900 North Last Chance Gulch Street
Helena, MT
 
Bolstad- Jeffrey A
(406) 449-2545
2905 N Montana Ave
Helena, MT
 

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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