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Auto Insurance Rates for New Teenage Drivers Muscle Shoals AL

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
115 Baker Ln
Tuscumbia, AL
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Alfa Insurance - Muscle Shoals
(256) 381-5774
200 South Wilson Dam Road
Muscle Shoals, AL
Bill Alexander Ins Agency Inc
(256) 381-5858
307 W State St
Muscle Shoals, AL
Grimes Phil
(256) 381-5774
200 South Wilson Dam Road
Muscle Shoals, AL
Alfa Insurance - District Office
(256) 381-4165
200 South Wilson Dam Road
Muscle Shoals, AL
Hampton- James E
(256) 383-1140
919 Avalon Ave
Muscle Shoals, AL
Hester Randall Insurance
(256) 386-7900
1810 John R Street
Muscle Shoals, AL
Henry Roger Insurance Agency
(256) 381-0110
1003 Avalon Avenue
Muscle Shoals, AL
Freeman Insurance Agency
(256) 381-8372
601 Pasadena Avenue
Muscle Shoals, AL
Rose Pete Insurance Agency Inc
(256) 386-7744
1808 Woodward Avenue
Muscle Shoals, AL

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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