Car insurance for teens

Your teen getting their license is a milestone — for them and for your insurance. Until your new driver gains experience on the road, having them on your policy can be pricey. And Allstate is here to help. Whether it's through offering more ways to reward safe drivers, innovating for the good of our customers, or working to decrease distracted driving, Allstate has helped keep young drivers in good hands since 1931. Together, we can get through potential bumps on the road.

There are lots of avenues to take on the road to smart savings. The good student discount, for example, applies if the teen driver meets the following qualifications:

• 19 years old or younger
• A full-time student
• Enrolled in high school or an academic home study program
• Can provide school records indicating a grade average of at least B-

Most states require drivers to have auto liability insurance before they can legally drive, according to the Insurance Information Institute (III). The student driver is covered by his/her parents' policy as a household member. Once he/she gets a license, he/she would generally then need to be listed as an operator on the policy.

If your teen gets in a car accident, Allstate can help them get back on the road.

Accident Forgiveness keeps your rates from going up after an accident, even if your teen is at fault.

Rental reimbursement helps cover a rental if your teen's car is in the shop after an accident.

From running out of gas, to getting a flat tire to locking the keys in the car, a lot can happen on the road. But help is just a few taps away with Allstate Roadside Assistance in the Allstate® app. Your teen can have quick access to:

• Services such as towing, tire changes, jump starts and more
• Allstate's network of 24/7 roadside providers, dispatched in minutes
• Arrival-time GPS tracking of the help that's on the way

You can't always be with them, but they can take your guidance wherever they go.

Lay some ground rules

• Discuss when, where, how and with whom your teen can drive
• Limit the number of passengers in the car
• Establish a curfew
• Insist your driver (and passengers) wear seatbelts at all times
• Limit teen driving during high-risk times, like Friday or Saturday nights
• Set driving-area limits
• Prohibit driving under the influence — or riding with friends who are

Avoid distracted driving dangers

• Talking and texting on a cell phone
• Eating and drinking
• Focusing on passengers
• Reading maps or other materials
• Using a navigation system
• Changing the music you're listening to