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Auto Insurance Rates for New Teenage Drivers Pikeville KY

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.

Stevens Insurance Agency
(606) 432-7600
557 Hambley Boulevard
Pikeville, KY
 
Jennifer C Reynolds Ins Ag Inc - State Farm Insurance Agent
(606) 432-5230
513 North Mayo Trail
Pikeville, KY
 
Johnson-Newsom Agency Inc
(606) 754-8111
165 Main Street
Elkhorn City, KY
 
Allstate Insurance Companies
(304) 235-1809
1802 West 3rd Avenue
Williamson, WV
 
Doyle Sam Insurance
(606) 886-8000
291 North Lake Drive
Prestonsburg, KY
 
Chrisman Insurance Agency Inc
(606) 437-4086
157 Main Street
Pikeville, KY
 
Maynard Insurance Agency
(606) 478-9500
USHighway 23
Harold, KY
 
Slater- C Michael - State Farm Insurance Agent
(304) 235-3290
22 West 2nd Avenue
Williamson, WV
 
State Farm Insurance
(606) 886-8000
291 North Lake Drive
Prestonsburg, KY
 
Olive- Louie
(304) 235-1990
117 E 3rd Ave
Williamson, WV
 

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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