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Auto Insurance Rates for New Teenage Drivers Natchitoches LA

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
105 S Williams Ave
Natchitoches, LA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Crow's Bureau Insurance Inc
(318) 352-1048
1546 Texas Street
Natchitoches, LA
 
Allstate Insurance Companies - Independent Agent- Natchitoches
(318) 352-8105
505 Royal Street # A
Natchitoches, LA
 
US Agencies
(318) 352-8400
333 Dixie Plaza
Natchitoches, LA
 
Huggins Insurance Agency
(318) 356-9561
344 A Highway 1 South
Natchitoches, LA
 
Torrent John - State Farm Insurance Agent
(318) 357-1046
113 South Drive Ste 7
Natchitoches, LA
 
Sunamerica Securities Inc
(318) 352-8105
505 Royal Street # A
Natchitoches, LA
 
Farm Bureau Insurance
(318) 352-8111
1911 South Drive
Natchitoches, LA
 
Michael R Murphy Ins Agcy Inc
(318) 352-7311
455 2nd St
Natchitoches, LA
 
New York Life Insurance Company
(318) 357-1520
220 Amulet Street
Natchitoches, LA
 

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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