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Auto Insurance Rates for New Teenage Drivers Prescott Valley AZ

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 - Joy Chandler
(928) 224-8220
401 Whipple St.
Prescott, AZ
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Scott A Smith Ins Agcy Inc - State Farm Insurance Agent
(928) 772-7100
4620 North Robert Road Unit D
Prescott Valley, AZ
 
Chatham- Christy M - State Farm Insurance Agent
(928) 772-6440
3050 North Navajo Drive Ste 107
Prescott Valley, AZ
 
Farmers Insurance Della Lane Agency
(928) 771-1483
11680 East Manzanita Trail
Dewey, AZ
 
Farmers Insurance & Financial-The Garside Agency
(928) 717-0065
230 North Summit Avenue
Prescott, AZ
 
Farmers Insurance
(928) 778-0700
6594 East 2nd Street
Prescott Valley, AZ
 
John Ravnik
(928) 775-6666
2825 North Glassford Hill Road Suite C
Prescott Valley, AZ
 
Nache- Michael Alan
(928) 775-5676
6350 E Hwy 69
Prescott Valley, AZ
 
Behrends- Gene M - State Farm Insurance Agent
(928) 445-2061
147 Grove Avenue
Prescott, AZ
 
Burks- Dennis E
(928) 776-8100
377 N Montezuma St
Prescott, AZ
 

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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