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Auto Insurance Rates for New Teenage Drivers Watertown WI

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.

Mitchell- Kevin L - State Farm Insurance Agent
(920) 261-1935
13 East Main Street
Watertown, WI
 
Baker Daniel J
(920) 261-3414
1724 S Church St
Watertown, WI
 
Zempel- Daniel R
(920) 648-2238
120 S Main St
Lake Mills, WI
 
Thompson- Hugh R - State Farm Insurance Agent
(262) 567-5405
117 North Thompson Street
Oconomowoc, WI
 
Snyder Insurance Agency Inc
(262) 567-0288
100 South Main Street
Oconomowoc, WI
 
Cooper- Phillip S - State Farm Insurance Agent
(920) 206-0483
1724 South Church Street Ste M
Watertown, WI
 
Zindars Ken Insurance Agency
(920) 261-3334
210 West Main Street
Watertown, WI
 
Kleiner Insurance Agency
(262) 560-9500
N2606 Huebner Rd
Oconomowoc, WI
 
Edwards- William J - State Farm Insurance Agent
(262) 567-3443
220 South Silver Lake Street
Oconomowoc, WI
 
Felth- Eric S - State Farm Insurance Agent
(920) 674-2626
229 South Main Street
Jefferson, WI
 

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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