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Auto Insurance Rates for New Teenage Drivers Rutland VT

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.

Donald E. Steere Agency
(802) 775-2746
607 U S Route 4 East
Rutland, VT
 
Allstate Insurance Companies
(802) 775-1609
240 South Main Street
Rutland, VT
 
Ernest C Soto Ins Agcy Inc - State Farm Insurance Agent
(802) 747-7283
82 Woodstock Avenue
Rutland, VT
 
Ross Insurance and Company
(802) 775-4477
191 Pearl Street
Rutland, VT
 
Poulos Insurance Inc
(802) 287-2324
74 Depot St
Poultney, VT
 
Decandio- Kenneth
(802) 747-7975
56 Allen St
Rutland, VT
 
Egan & Nelson Agency
(802) 773-0368
24 1/2 Center Street
Rutland, VT
 
Rabideau Agency
(802) 775-1628
40 Woodstock Ave
Rutland, VT
 
Hanford R. Davis Agency
(802) 247-3013
24 Park St
Brandon, VT
 
Mid Vermont Ins Agcy Inc
(802) 287-2324
74 Depot St
Poultney, VT
 

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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