How can I purchase auto insurance without a driver’s license?
Some policy companies let the person buying the car policy policy designate person other than themselves as the primary driver — that ‘s the person who will be driving the car the most. But other insurers do n’t, so you may need to shop around to find a party that offers car policy for unaccredited drivers .
When buy car policy for the first base time, the insurance company typically asks for your driver ‘s license count so they can check your driving history— this helps insurers determine what your rate should be. If you do n’t have a license, the insurance company may ask for the driver ‘s license count of the primary driver alternatively. They may use this person ‘s driving history to determine your car indemnity premium. If that driver has a less-than-stellar criminal record, you may end up paying higher rates .
Read more: Cheap Auto Insurance – Douglasville, Georgia
The insurance company might besides list you as an eject driver on the policy. That means the company wo n’t cover any claims that occur if you decide to take the car for a spin and an incident occur. Remember — it ‘s illegal to drive without a license, even if the vehicle is insured.
Do I need car insurance without a license?
If you own a cable car but do n’t drive, there are several reasons you may want to purchase car insurance :
- Your status as an unlicensed driver isn’t permanent. If you have your learner’s permit and are working toward getting your license, you need insurance before you can get behind the wheel. If you stopped driving because of a treatable health condition or other temporary situation, you might want to maintain coverage if you plan to drive again in the future.
- Your child drives and they’re under 18. Insurance policies are considered legally binding contracts between the policyholder and the insurer. You must be at least 18 years old to sign a contract in most states. If your child has a license but hasn’t turned 18, you can buy a policy and list them as a licensed driver.
- Your license gets suspended. You might not be driving for a while if your license has been suspended. But maintaining continuous insurance coverage can help you save when you get behind the wheel again. Plus, you typically need to show that you have coverage before the state will reinstate your license.
- Someone else drives your car. If your spouse, child, caregiver, or another person who doesn’t own the vehicle drives it, it’s important to have insurance so they have coverage while driving. Even if someone who doesn’t own your car borrows your car occasionally, it’s a good idea to maintain insurance.
- You have a classic car. If you have classic car insurance or keep your car in storage, you might not need collision coverage or medical payments coverage, but you may want to insure it against theft or vandalism. Some insurers let you keep comprehensive coverage while dropping other coverages you don’t need.
Who should I list as the primary driver if I buy car insurance without a license?
The person you list as the primary coil driver should be the one who will most frequently be using the fomite. If you ‘re married and have children, it might be your spouse or child. If you have a health condition that prevents you from driving, it could be a caregiver who drives you to appointments or helps you run errands .