How to Get Car Insurance Without a License
1. Contact regional insurance companies or a local independent agent.
Focusing on smaller companies will give you the best probability of finding coverage as an unaccredited driver. Most national companies will not insure you without a license. The gamble is excessively high, in their eyes, that you will drive the car yourself .
2. List yourself as an excluded driver on the policy.
This is a legal instruction that, as an unaccredited driver, you are not going to drive the car. note that if you do drive illegally and get into an accident, the insurance company will not cover any claims. If you get or regain your license while the car is insured, you must notify your policy company and provide your new license number before you are legally insured on the policy.
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3. List the person who will operate the vehicle the most as the primary driver on the policy.
This can be a spouse, family member, roommate, caretaker or supporter. They may live with you or not. They must, of course, have a valid driver ’ randomness license.
4. List the primary driver on your registration as part-owner.
Try this mistreat if you can ’ deoxythymidine monophosphate find any company that will insure the cable car for you without a license. There should be no trouble oneself insuring the car with a licensed driver listed as co-owner .
Why You Might Need Car Insurance Without a License
- Your license is suspended and you need to file an SR-22 or FR-44 to reinstate it
- You only have a learner’s permit
- You are insuring a collectible vehicle that you won’t drive
- You own a car that is driven by a caregiver or chauffeur
- You need to co-sign a policy for an underage driver
If no matchless is going to drive the cable car, but you want to protect it against accidental price while it ’ second stored, you have the option of purchasing comprehensive-only or parked-car coverage. You will have to cancel your registration and turn in your plates to do this, but it is cheaper than buying a policy that besides offers liability coverage. This character of policy is offered by many national firms such as Allstate and State Farm.