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Auto Insurance Rates for New Teenage Drivers Warrensburg MO

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.

Good- Joseph E - State Farm Insurance Agent
(660) 747-2233
103 Young Street
Warrensburg, MO
 
Good- Joseph Insurance
(660) 747-3029
103 Northwest USHighway 50
Warrensburg, MO
 
Advantage Insurance Inc
(660) 747-8500
817 South Maguire Street
Warrensburg, MO
 
Farmers Insurance CO
(660) 463-2224
Old Highway 40 East
Concordia, MO
 
McKeage- Larry L - State Farm Insurance Agent
(660) 584-7414
15 West 20th Street
Higginsville, MO
 
Skelton- Wanda H - State Farm Insurance Agent
(660) 747-2244
613 Burkarth Road
Warrensburg, MO
 
Baston-Mike Keith Insurance Agency
(660) 747-3151
105 East Pine Street
Warrensburg, MO
 
Hoffman III- Robert V - State Farm Insurance Agent
(816) 732-5533
1140 East 10th Street
Holden, MO
 
State Farm Insurance
(660) 463-3276
703 Main Street
Concordia, MO
 
Schneider Bill Insurance
(660) 584-3856
1780 Willow Street
Higginsville, MO
 

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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