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Auto Insurance Rates for New Teenage Drivers Valley AL

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
4404 20th Ave
Valley, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Slade- Terri F - State Farm Insurance Agent
(334) 768-2333
3210 20th Avenue
Valley, AL
 
Cannon Mike
(334) 756-7777
4802 20th Avenue
Valley, AL
 
Alfa Insurance - Valley
(334) 756-7777
4802 20th Avenue
Valley, AL
 
Holley Donny Insurance
(334) 644-2111
Highway 29 Executive
Lanett, AL
 
Allstate Auto Insurance
(888) 355-7971
808 3rd Ave
West Point, GA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Alabama Insurers
(334) 756-3044
4903 23rd Boulevard
Valley, AL
 
Bishop Darrell Lutcf
(334) 756-7777
4802 20th Avenue
Valley, AL
 
Steve Siggers Insurance Agency Inc
(334) 644-3533
1811 Broad Avenue
Lanett, AL
 
Alfa Insurance
(334) 642-2541
1104 South Gilmer Avenue
Lanett, AL
 

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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