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Auto Insurance Rates for New Teenage Drivers Russellville AR

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
119 S Cumberland Ave
Russellville, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Nationwide Insurance
(479) 967-7065
614 West Main Street
Russellville, AR
 
Shelter Insurance
(479) 229-3287
113 East N Street
Russellville, AR
 
E-Z Pay Auto Insurance
(479) 968-2633
1611 East Main Street
Russellville, AR
 
Eubanks- Jesse C - State Farm Insurance Agent
(479) 968-7776
2420 West Main Street
Russellville, AR
 
Farmers Insurance Group
(479) 967-3406
309 East 4th Street
Russellville, AR
 
Sparks Herman L Insurance
(479) 968-4880
606 East Parkway Drive
Russellville, AR
 
Best One Stop Insurance Agency Inc
(479) 858-6557
806 South Arkansas Avenue
Russellville, AR
 
Ball- Winfred H - State Farm Insurance Agent
(479) 968-2466
701 East Parkway Drive
Russellville, AR
 
Allstate Insurance
(479) 890-0370
2504 West Main Street
Russellville, AR
 

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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