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Auto Insurance Rates for New Teenage Drivers Vincennes IN

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.

Jones- Kelly D - State Farm Insurance Agent
(812) 882-2000
2617 North 6th Street
Vincennes, IN
 
Wagner- Edward L - State Farm Insurance Agent
(812) 886-9352
721 North 7th Street Ste A
Vincennes, IN
 
L Knight Insurance Agency Inc - State Farm Insurance Agent
(812) 735-2781
209 North Main Street
Bicknell, IN
 
Don M Clements Ins Agcy Inc - State Farm Insurance Agent
(812) 254-6181
2108 State Street
Washington, IN
 
1st Security Insurance
(812) 875-3300
Highway 67 South
Washington, IN
 
J Masters Insurance Agency Inc - State Farm Insurance Agent
(812) 882-6537
511 Willow Street
Vincennes, IN
 
Horton- Vicky D - State Farm Insurance Agent
(812) 882-6465
300 North 5th Street
Vincennes, IN
 
Knox County Insurance
(812) 735-3832
107 West 2nd Street
Bicknell, IN
 
Durnil- Jerry L
(812) 254-5565
110 E Main St
Washington, IN
 
Pell Insurance Agency Inc - State Farm Insurance Agent
(812) 354-6038
612 East Main Street
Petersburg, IN
 

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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