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Auto Insurance Rates for New Teenage Drivers Mason City IA

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 - Brian Randall
(641) 316-3164
471 S Illinois Ave.
Mason City, IA
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Marquis- Kristy L - State Farm Insurance Agent
(641) 423-7930
634 South Monroe Avenue
Mason City, IA
 
Vacek- Kenneth A
(641) 421-7424
595 S Illinois Ave
Mason City, IA
 
Thomas- Clinton M
(641) 423-7924
2790 4th St SW
Mason City, IA
 
Miller- Garry L - State Farm Insurance Agent
(641) 357-8292
220 US Highway 18 West
Clear Lake, IA
 
Farmers Insurance Group Rob Adams Agency
(641) 424-1230
202 1st Street Southeast Suite 204
Mason City, IA
 
Haines Insurance Inc
(641) 423-9000
408 South Monroe Avenue
Mason City, IA
 
Kelly- Richard D
(641) 423-5620
525 S Washington Ave
Mason City, IA
 
Corcoran & Associates Inc
(641) 494-1814
15 1st Street Northeast
Mason City, IA
 
American Family Insurance - Joel Secory Insurance
(641) 357-8168
Po Box 152
Clear Lake, IA
 

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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