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Auto Insurance Rates for New Teenage Drivers Pell City 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 - Preston Rhodes
(205) 208-7246
2107 Martin Street South
Pell City, AL
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
7268 Deerfoot Pkwy
Trussville, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Alfa Insurance - Pell City
(205) 884-3470
2206 Martin Street South
Pell City, AL
 
Deason- R Edwin - State Farm Insurance Agent
(205) 884-3590
220 Martin Street North
Pell City, AL
 
Frankie Raughton Insurance
(205) 884-1131
3509 Cogswell Avenue
Pell City, AL
 
Allstate Auto Insurance
(888) 355-7971
311 Martin Dr
Odenville, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Guide One Group
(205) 884-1131
3509 Cogswell Avenue
Pell City, AL
 
Myers- Connie B - State Farm Insurance Agent
(205) 338-9474
2109 7th Avenue North Ste 1
Pell City, AL
 
State Farm Insurance AEL
(205) 338-6639
2203 7th Avenue North
Pell City, AL
 
Cotton States Insurance
(205) 338-6085
705 Martin Street North
Pell City, 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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