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Auto Insurance Rates for New Teenage Drivers Lake Havasu City AZ

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.

Ross- Alex R - State Farm Insurance Agent
(928) 855-7677
2138 McCulloch Boulevard North
Lake Havasu City, AZ
Lund- Kathryn S
(928) 453-2244
1915 Mcculloch Blvd N Ste 108
Lake Havasu City, AZ
American Family Insurance - Agents- Rains Sharon
(928) 704-6333
2164 McCulloch Boulevard North Suite A
Lake Havasu City, AZ
Murphy Dan Prudential Insurance Representative
(928) 855-7794
1987 McCulloch Boulevard North Suite 201
Lake Havasu City, AZ
American Family Insurance Johnnie Oliva - Agents- Oliva Johnette
(928) 855-1297
2110 McCulloch Boulevard North
Lake Havasu City, AZ
Tom W Snyder Insurance
(928) 505-6105
1761 McCulloch Boulevard North Suite H
Lake Havasu City, AZ
Myron-Deschene Insurance Center
(928) 680-6342
2170 McCulloch Boulevard North
Lake Havasu City, AZ
Works- Jean M - State Farm Insurance Agent
(928) 453-2244
1915 McCulloch Boulevard North Ste 108
Lake Havasu City, AZ
Miller- Deborah J - State Farm Insurance Agent
(928) 854-6693
1600 McCulloch Boulevard North Ste 1-B
Lake Havasu City, AZ
Colorado River Insurance Center
(928) 855-2742
2005 McCulloch Boulevard
Lake Havasu City, AZ

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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