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Auto Insurance Rates for New Teenage Drivers Los Lunas NM

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
2424 Main St NE
Los Lunas, NM
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

SAIZ Gerard Insurance Agency
(505) 865-6422
400 Main Street Northwest
Los Lunas, NM
 
New York Life Insurance CO Gloria Perea-Agent
(505) 861-5590
101 South Main Street
Belen, NM
 
Carbajal- Richard A - State Farm Insurance Agent
(505) 864-7474
614 Becker Avenue
Belen, NM
 
Ron Pino Ins Agcy Inc - State Farm Insurance Agent
(505) 877-1391
3211 Coors Boulevard Southwest Ste 12
Albuquerque, NM
 
Jaramillo- Jerry R - State Farm Insurance Agent
(505) 865-4681
3459 Highway 47
Los Lunas, NM
 
Allstate Insurance Companies
(505) 865-3638
2424 Main Street Northeast
Los Lunas, NM
 
BACA Motors
(505) 864-4409
Po Box 1149
Belen, NM
 
Dolores J Reese Insurance
(505) 864-1422
415 W Reinken Avenue
Belen, NM
 
Allstate Insurance - John L Hann
(505) 836-2877
6001 Central Ave Nw
Albuquerque, NM
 

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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