USAA specifically caters to active and retired members of the military and their families, so their car insurance products are not available to everyone. For those who do qualify, they offer some of the lowest car insurance rates available for all drivers, including students. With an AM Best A++ financial strength rating, the company can deliver on its customers' claims.

For student drivers, USAA offers a Good Student discount as well as a Driver Training discount for drivers younger than 21, plus a number of other discounts that could reduce your rates. These include discounts for New Vehicle, Multi-Vehicle and bundling home or renters insurance with your car insurance.

If you need to file a claim or make changes to your car insurance policy, you can do so on the USAA website or use the USAA Mobile app. In addition, you can call to speak with an agent or use the website's chat feature with a virtual agent.

Not surprisingly, today's student drivers are well-versed in using technology, and they often prefer to use that technology to conduct their business. With Allstate Mobile, they will have control over their car insurance policy in the palm of their hand.

Using the app, they can access digital proof of insurance cards, view their policy documents, file a claim with QuickFoto Claim, access roadside assistance, pay their premiums and contact their agent. They also can access Drivewise, which monitors their driving behavior and rewards good driving habits with additional savings.

Of course, student drivers also can log into their accounts on the Allstate website to view their policy information, file and track a claim, make policy changes and pay their car insurance premiums.

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Simply put, students need their own insurance policy when they no longer live at home and continue to drive every day. Read more