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Auto Insurance Rates for New Teenage Drivers Kalamazoo MI

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
2929 W Main St
Kalamazoo, MI
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Kibler- Scott Edward - State Farm Insurance Agent
(269) 349-7166
2401 Gull Road
Kalamazoo, MI
 
DuBois- Richard Leo - State Farm Insurance Agent
(269) 345-0555
3415 West Main Street
Kalamazoo, MI
 
Carr- Robert W - State Farm Insurance Agent
(269) 388-5758
4613 West Main Street
Kalamazoo, MI
 
John Hancock Mutual Life Insurance CO - General Agent
(269) 385-0002
4341 South Westnedge Avenue
Kalamazoo, MI
 
Allstate Auto Insurance
(888) 355-7971
9037 E D Ave PO 250
Richland, MI
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Kiesling- David E
(269) 381-2798
4225 W Main St Ste C
Kalamazoo, MI
 
Any Risk Insured Agency
(269) 349-1953
4215 West Main Street
Kalamazoo, MI
 
ALF Insurance Agency
(269) 375-9785
3207 Stadium Drive Suite 1
Kalamazoo, MI
 
Schlukebir- John A - State Farm Insurance Agent
(269) 372-3311
2275 South 11th Street
Kalamazoo, MI
 

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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