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Car Insurance for Teenagers Missoula MT

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.

Allstate Auto Insurance
(888) 355-7971
1410 S Reserve
Missoula, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Peters- Robert S
(406) 728-1697
2104 Dixon Ave
Missoula, MT
 
Farmers Insurance Group - Agents
(406) 728-8817
2100 Oxford Street
Missoula, MT
 
Farmers Insurance
(406) 541-2151
2432 Kemp Street
Missoula, MT
 
Steve Koski Ins Agency Inc - State Farm Insurance Agent
(406) 542-8666
1020 South Reserve Street
Missoula, MT
 
Larson- Thomas L
(406) 728-9561
1230 W Kent Ave
Missoula, MT
 
State Farm Insurance Companies
(406) 523-2201
3111 South Grant Street
Missoula, MT
 
Langley- Wes - State Farm Insurance Agent
(406) 721-5050
1501 South Russell Street
Missoula, MT
 
Larson Jr- Thomas J
(406) 542-2101
1230 W Kent Ave
Missoula, MT
 
Farmers Insurance David Clarke
(406) 542-6544
7564 Thornton Drive
Missoula, MT
 

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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