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Auto Insurance Rates for New Teenage Drivers Lawrence KS

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.

American Family Insurance
(785) 331-4477
901 Kentucky Street Suite 101
Lawrence, KS
Chris J Munk Ins Agcy Inc - State Farm Insurance Agent
(785) 842-5000
3300 West 15th Street Ste 1
Lawrence, KS
Pollard Thomas J Insurance Agency
(785) 843-7511
2420 Iowa Street Suite E
Lawrence, KS
Allstate Insurance CO
(785) 843-7643
3300 Mesa Way Suite B
Lawrence, KS
Allstate Insurance
(785) 832-1557
4101 West 6th Street
Lawrence, KS
Senne- Diane C - State Farm Insurance Agent
(785) 843-5666
935 Iowa Street
Lawrence, KS
Shepley Insurance Agency
(785) 865-5200
3109 West 6th Street Suite A
Lawrence, KS
Mike Grosdidier Ins Agcy Inc
(785) 842-6407
2400 Iowa St
Lawrence, KS
Jay Crabtree Farmers Insurance & Investment
(785) 856-6790
3516 West 24th Street
Lawrence, KS
Carlson- Robert L - State Farm Insurance Agent
(785) 843-1292
2400 Iowa Street Ste 2
Lawrence, KS

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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