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Auto Insurance Rates for New Teenage Drivers Muscatine 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 Auto Insurance
(888) 355-7971
516 W 35th St
Davenport, IA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Shepley- Brian M - State Farm Insurance Agent
(563) 263-2744
2206 Lucas Street
Muscatine, IA
 
Keig- Robert J
(563) 263-7355
415 Iowa Ave
Muscatine, IA
 
Ingstad- Jon S - State Farm Insurance Agent
(563) 732-3933
322 Cedar Street
Wilton, IA
 
Trissel Graham Toole Inc
(319) 322-3521
220 Emerson Pl
Davenport, IA
 
Snyder- Barbara A
(563) 263-7166
1613 Plaza Pl
Muscatine, IA
 
Garcia-Van Auken- Brenda - State Farm Insurance Agent
(563) 263-7166
2021 Cedar Plaza Drive
Muscatine, IA
 
Miller Harrison & Becky Ins
(563) 263-6044
100 W 2nd St
Muscatine, IA
 
James-Scheff- Madge M - State Farm Insurance Agent
(563) 388-8135
2720 West Locust Street Ste B3
Davenport, IA
 
Allstate Insurance Companies
(309) 788-3100
3724 46th Avenue
Rock Island, IL
 

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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