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Auto Insurance Rates for New Teenage Drivers Indianola IA

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
204 E DETROIT AVE
Indianola, IA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Kuehl- Chad J
(515) 961-2842
202 N Howard St
Indianola, IA
 
Rettenmeier- Todd J - State Farm Insurance Agent
(515) 287-5335
4121 Southeast 14th Street
Des Moines, IA
 
Richardson- Alan J - State Farm Insurance Agent
(515) 285-9952
5901 Southwest 9th Street
Des Moines, IA
 
Crivaro Insurance Agency
(515) 288-5589
2449 Southwest 9th Street
Des Moines, IA
 
Allstate Auto Insurance
(888) 355-7971
4505 SW 9th St
Des Moines, IA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Blake- Joe F
(515) 961-3448
409 N Jefferson Way
Indianola, IA
 
Allstate Insurance Companies
(515) 953-7498
4515 Fleur Drive
Des Moines, IA
 
Farmers Insurance
(515) 287-0055
4601 Southwest 9th Street
Des Moines, IA
 
Van Meter- Bradley J - State Farm Insurance Agent
(515) 256-6480
4229 Fleur Drive
Des Moines, IA
 

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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