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Auto Insurance Rates for New Teenage Drivers Post Falls ID

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 - Andy Cline
(866) 609-2443
780 N Cecil Rd Ste 104
Post Falls, ID
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
13785 W Hwy 53 Ste 5
Rathdrum, ID
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
14822 N Newport Hwy
Mead, WA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Beck- Edward A
(208) 773-7537
1810 E Schneidmiller Ave
Post Falls, ID
 
Silvermark Insurance
(208) 664-8141
2020 North Lakewood Drive
Coeur D Alene, ID
 
Allstate Auto Insurance
(888) 355-7971
2310 N Molter Rd
Liberty Lake, WA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate - James Gray
(866) 609-6113
1621 N 3Rd St Ste 800
Coeur D Alene, ID
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Big Bend Insurance Agency
(208) 457-1777
1596 East Seltice Way
Post Falls, ID
 
Simaitis- Vyto
(208) 765-2439
3115 N Government Way
Coeur D Alene, ID
 
Deitz Insurance Agency Inc
(208) 664-2155
314 N 4th St
Coeur D Alene, ID
 

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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