Learn how to get auto insurance with out a license – Forbes

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There are several reasons why someone without a license might need car insurance. For example, due to age or health issues, you might no longer drive a car but still own a car that a family member drives to take you to appointments. Or, you might have a suspended license and court order to get car insurance.

Getting car insurance without a license can be a challenge. But here is how you can possibly do it.

Can I get car insurance without a driver's license?

While some insurance companies refuse to provide coverage for people without a driver's license, other insurers extend coverage. But it can cost you significantly more than a licensed driver.

This is because car insurance companies pay attention to the last three to five years of your driving history when setting the tariffs. If you don't have a driver's license, your license has been revoked, or you haven't had it for several years, you are usually considered to be at higher risk, which usually leads to higher car insurance rates.

Another reason you can pay more is because insurers see an insurance gap as a higher risk. This is a period when you don't have insurance, for example if you didn't have insurance because you canceled a policy before a new one was in effect, or you were between cars. In general, a driver who is continuously insured pays less than someone who has a coverage gap.

Reasons for car insurance without a driver's license

Since obtaining a car policy without a license can be difficult, it is a good idea to work with a local agent who can help you navigate through the application process and find the best car insurance companies for your needs.

Here are some common reasons why you might need car insurance without a driver's license.

You can no longer drive

If you are disabled or unable to drive, you may own a car for transportation but have someone else drive you, e.g. B. a family member or a carer. However, as an unlicensed driver listed on the policy, you can expect higher fees.

One option could be to take out an insurance policy and identify your driver as the primary provider and make yourself a "banned driver". The benefit of being listed as a banned driver is that as a listed unlicensed driver, you will not have any higher prices. The downside is that if you drive your car and have a car accident, you will not have any insurance coverage.

The rules for banned drivers vary by insurance company and state. Some states do not allow driver bans. If your state allows driver bans, you must complete a driver bans form.

They insure a car for minors

Many lenders do not provide car loans to drivers under the age of 18, which can make it difficult for minors to purchase a car. In this scenario, you could buy a car (or take out a loan) to help a young driver even though you don't have a driver's license or want to drive the car yourself.

You may be able to list yourself as a banned driver on the auto insurance policy and list your teenage driver as the primary provider. But here too, the rules for excluding a driver vary depending on the state and company.

You are a car collector or store a vehicle

There is no law that says that someone without a driver's license cannot pick up cars. For example, you bought a classic car to be restored and you do not intend to drive it on public roads.

If you own a vintage, antique, or replica vehicle, it is worth looking into classic car insurance. Some classic car insurance companies offer types of coverage that cover parts and automotive tools, as well as “vehicle under construction” coverage that increases your coverage limits regularly to keep up with your restoration work.

If you park a car that is not considered a classic, you still want car insurance. A comprehensive insurance policy could be a good solution for you. Fully comprehensive insurance covers problems such as fire, flood, hail, vandalism, theft and falling objects.

Note, however, that fully comprehensive insurance is not sufficient if your car is driven on public roads. Most states require vehicle liability insurance when the car is being driven. This coverage pays for property damage and injury to others. If you or someone who drives your car causes an accident without liability insurance, you are in danger of financial disaster.

Your driver's license has been suspended or revoked

If your driver's license has been suspended or revoked due to your driver's license, e.g. For example, because of a DUI conviction or too many traffic violations, your state or court may require you to purchase "SR-22 Insurance".

An SR-22 is a form that your insurance company must submit to your state stating that you meet at least the minimum state auto insurance requirements. A great way to meet an SR-22 requirement if you don't own a car is to get non-owner car insurance.

Frequently asked questions about car insurance without a license

Do I need car insurance if I own a car but don't have a driver's license?

If you own a car that is driven on public roads, you will need car insurance. This is because most states require motor vehicle liability insurance. Without liability insurance, you are liable for property damage or personal injury if the driver of the car is responsible for an accident.

How Much Car Insurance Do I Need?

The best way to determine how much auto insurance you need is to start with liability insurance. It is a good idea to buy more than the government minimum required. As a rule of thumb, you should get adequate liability insurance to cover your assets such as your home and savings. It is also a good idea to get uninsured motorist insurance, even if it is optional in your state.

You can then add optional coverage types to fill coverage gaps. Collision and fully comprehensive insurance are good to have in the event of accidents (like colliding with another car), flood damage, car theft and more.

How do I get car insurance without a driver's license?

Buying auto insurance without a driver's license can be difficult and expensive. Many auto insurance companies see someone without a license as a higher risk to insure.

The best way to find a good policy is to compare the car insurance quotes from several insurance companies. You may want to work with an independent broker who is familiar with the auto insurance options in your area and can help you find the best policy that suits your needs.

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