how do i get car insurance with just my learners permit?
Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.
It depends on the insurance companies rules.
no. because as long as the parents has insurance they are fine. And this is only if the parent adds them on their insurance.
You must either have a driver's license or be insured under a licensed driver's insurance. If you are a minor, your parents can add you to their car insurance.
no
It will cost nothing, until he/she get the actual license
Do not know what you mean by 'insurance loan'?
yes
Yes.
It's not usually necessary to declare you as a driver with the learner's permit. That comes when you get your license and can drive indepentently.
Allstate will not charge you for a driver with a learners permit for the first year.