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Car Insurance for Teenagers Dodge City KS

Why does car insurance cost so much for our teenagers? Insurance companies seek to limit their exposure to high level risk with higher insurance rates for 16 to 24 year-olds than for any other age group.

Blue Shield Professional Services Department
(620) 225-0884
100 Military Avenue
Dodge City, KS
 
Kunz- Karl
(620) 225-5631
2520 N 14th Ave
Dodge City, KS
 
Reddell Gregory
(316) 225-5631
2520 N 14th Ave
Dodge City, KS
 
The Insurance Center of Kansas
(620) 225-1418
2204 1st Avenue
Dodge City, KS
 
Obando- Oscar - State Farm Insurance Agent
(620) 408-9392
506 Avenue B Ste 3
Dodge City, KS
 
Gall & Jones Insurance
(620) 225-0114
210 West Spruce Street
Dodge City, KS
 
Tuchez- Marina Y
(620) 408-9392
506 Avenue B
Dodge City, KS
 
Nelson Jim Insurance
(620) 225-1418
2204 1st Avenue
Dodge City, KS
 
Sowers- Rob - State Farm Insurance Agent
(620) 225-5613
2500 Central Avenue Ste 3
Dodge City, KS
 
Mullin Apartments
(620) 225-0114
210 West Spruce Street
Dodge City, KS
 

Car Insurance for Teenagers

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Car Insurance for Teenagers

It's a right of passage for most teenagers to get their license. We smile proudly and tell our friends that our teen got their license on the first try. Then, we get the shock of a lifetime when we find out how much it costs to insure our new young driver.

Why does it cost so much for our teenagers? Drivers under the age of 25 pose the greatest risk to insurers because of their high level of at-fault accidents. It's that simple. Insurance companies seek to limit their exposure to this high level of risk by charging higher insurance rates for 16 to 24 year-olds than for any other age group.

One trick you can use is the same one that parents have been using for decades. It is possible to add a teenage driver to a parents existing auto insurance policy as an occasional driver; once that teen has a permanent drivers license. While this can still be relatively expensive compared to the cost of insuring an adult, it usually saves some money on the cost of insurance overall.

It may even be possible to get a discount directly on your teen driver, if you've invested in your child's driver education. If your teen has taken a defensive driving course, this is likely to get you (and your teen) a break on the cost of insurance. It's well worth the time and money.

My parents took advantage of all of the above. I took a defensive driving course. I was listed as an occasional driver on their insurance. In addition, they purchased a less expensive, older model vehicle that was ultimately shared by my siblings and myself. As a result, my parents saved even a bit more money on my insurance because I was listed as an occasional driver only on the older model car. How can this save you money? Well, older vehicles generally pose less risk to an insurer because repairs tend to be less expensive. Therefore, the insurance premium cost is going to be even lower than if you had your teen listed as a driver on your family vehicle. It also ensures ...

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