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Auto Insurance Rates for New Teenage Drivers Joplin MO

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.

Karen L Rutledge Ins Agcy Inc - State Farm Insurance Agent
(417) 624-2661
616 East 32nd Street
Joplin, MO
 
Sitton- Jerry
(417) 781-0562
1921 E 20th St
Joplin, MO
 
Brown- Sandra K - State Farm Insurance Agent
(417) 627-0505
116 North Range Line Road Ste 101
Joplin, MO
 
Morgan Sandra Insurance
(417) 627-0526
116 North Range Line Road Suite 101
Joplin, MO
 
Brooke Corporation
(417) 624-2643
1030 Murphy Blvd P.O. Box 412008
Kansas City, MO
 
Allstate Insurance CO
(417) 624-7355
1531 East 32nd Street
Joplin, MO
 
Hickam- J Kyle - State Farm Insurance Agent
(417) 624-8443
2606 East 32nd Street
Joplin, MO
 
Kelly- Robert D - State Farm Insurance Agent
(417) 623-7245
1824 East 7th Street
Joplin, MO
 
Freund- Edgar B - State Farm Insurance Agent
(417) 781-0845
1209 West 7th Street
Joplin, MO
 
State Farm Insurance CO Jeff Montgomery
(417) 673-7050
1715 South Madison Street
Webb City, MO
 

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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