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Auto Insurance Rates for New Teenage Drivers Wetumpka 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
215 Winton M Blount Loop
Montgomery, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
1294 E Main St
Prattville, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Cousins Insurance Agency
(334) 567-8493
234 Hill Street
Wetumpka, AL
 
Alfa Insurance
(334) 567-5156
503 Northwest Main Street
Wetumpka, AL
 
Cotton States Insurance by Ross Insurance Agency
(334) 514-4820
2241 USHighway 231
Wetumpka, AL
 
Allstate Auto Insurance
(888) 355-7971
4722 Woodmere Blvd
Montgomery, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
2265 Cobbs Ford Rd
Prattville, AL
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Elmore County Farmers Federation
(334) 567-5156
503 South Main Street
Wetumpka, AL
 
Bennett Joseph D Insurance
(334) 567-8493
234 Hill Street
Wetumpka, AL
 
Macon-Frederick Insurance Agency
(334) 567-5201
215 Hill Street
Wetumpka, 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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