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Auto Insurance Rates for New Teenage Drivers Wausau 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.

Allstate Auto Insurance
(888) 355-7971
1901 N Mountain Rd
Wausau, WI
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Jim Beaton Ins Agency Inc - State Farm Insurance Agent
(715) 675-3324
1427 Merrill Avenue
Wausau, WI
 
Andrasek- Kevin D
(715) 848-6243
605 S 24th Ave Ste 22
Wausau, WI
 
New York Life
(715) 845-5575
505 South 24th Avenue Suite 304
Wausau, WI
 
Jehn- Shirley A - State Farm Insurance Agent
(715) 845-0995
1503 Wren Lane North Of WAL-MART On Highway North
Wausau, WI
 
Allstate Auto Insurance
(888) 355-7971
521 N 4th Ave
Wausau, WI
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

American Family Insurance
(715) 842-5262
115 West Bridge Street
Wausau, WI
 
Beaton- James J
(715) 675-3324
1427 Merrill Ave
Wausau, WI
 
American Family Insurance Jim Nick Agency
(715) 359-5055
5209 Rib Mountain Drive
Wausau, WI
 
Liberty Mutual Group - Litigation Management
(715) 849-5884
2100 Stewart Avenue
Wausau, 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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