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Auto Insurance Rates for New Teenage Drivers Manitowoc WI

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
33 E Waldo B L
Manitowoc, WI
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Insurance-Sue Christman Agency LLC
(920) 684-6529
33 E Waldo Blvd
Manitowoc, WI
 
Allstate Insurance Companies
(920) 682-1202
33 East Waldo Boulevard
Manitowoc, WI
 
Ford- Steven - State Farm Insurance Agent
(920) 682-2997
939 South 21st Street
Manitowoc, WI
 
American Family Insurance
(920) 793-2264
1507 16th Street
Two Rivers, WI
 
American Family Insurance
(920) 682-8484
801 York Street
Manitowoc, WI
 
Litwiller- Honor M - State Farm Insurance Agent
(920) 682-1811
804 Jay Street
Manitowoc, WI
 
DeRoche Jr- Robert J - State Farm Insurance Agent
(920) 682-2161
1415 Washington Street
Manitowoc, WI
 
Wojta-Krey-Hansen-Harrington Insurance Agency
(920) 682-8858
3618 Calumet Ave
Manitowoc, WI
 
Jeffrey Lester Ins Agency Inc - State Farm Insurance Agent
(920) 794-8521
1522 16th Street
Two Rivers, WI
 

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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