Teen drivers change the rhythm of a household, and the right plan lowers the stress. Barger & Associates: Allstate Insurance sits down with families to set expectations, review safe-driving programs, and build auto insurance that balances real risk with budget. We’ll show how good-student credits, telematics, and vehicle choice can influence cost, then align liability limits to protect what you’ve built. At home, we’ll refresh homeowners insurance and talk about umbrellas when a little extra liability makes sense. Headed to college soon? We’ll set renters insurance for a dorm or apartment, with replacement cost so a laptop or bike is properly covered. We can also design life insurance that supports long-term goals without overcommitting cash flow. Riders in the family can add motorcycle insurance tuned to gear and storage. Everything lives in one organized folder with digital ID cards and renewal reminders tied to school calendars. If a fender bender happens, you’ll get a calm checklist—photos, information to gather, and what comes next—plus a local voice to keep the process moving. That’s the practical, neighborly help families expect from Barger & Associates: Allstate Insurance.