So you need a car insurance quote – but you don’t have a driver’s license. What should you do? Today, we’re answering all the questions you might have about getting car insurance with no driver’s license.
Yes, You Can Buy a Car Without a Driver’s License
There’s no law preventing you from buying a car without a driver’s license. You can buy a vehicle without a license.
However, if you want to actually drive your newly purchased vehicle, then you’ll need a driver’s license.
You Don’t Need a Driver’s License to Buy Car Insurance
You can buy a vehicle without a driver’s license. However, buying car insurance without a driver’s license can be a little tricky.
Most auto insurance companies will offer something called unlicensed driver insurance. These insurance policies are designed for drivers who still own a vehicle, and they still wish to use that vehicle, but they’re unable to be the primary driver in that vehicle.
License Firm The Driver's - Black And Immigration Restricted Colorado News There are also situations when you need car insurance even when you don’t actually intend to drive a car – say, if you have a private driver who plans to drive a vehicle you own. This is where things get a little complicated.
Situations Where You Might Need Car Insurance Without a Driver’s License
You Have a Personal Driver
Some people have a personal driver. You might own a car, but you don’t have a driver’s license. You might have a private driver. Or, you might ask a friend to drive you around. If you’re the owner of a vehicle that is being driven, then you’re required to have a car insurance policy – even if you don’t have a driver’s license.
This can apply to elderly people who need to be driven to their destinations. This can also apply to individuals with disabilities who cannot drive their own vehicles.
In this situation, your designated driver will need to provide their name and their driver’s license. The insurance company will also request permission to get their driving history. The auto insurance premium will be - Restaurants Us Bases Okinawa Bars Outside Stripes News On Hurting.
You Need an Insured Vehicle to Get a License
License Firm The Driver's - Black And Immigration Restricted Colorado News So you want to get a driver’s license – but you need an insured vehicle to get the driver’s license. If you’re in this situation, then you’ll find a number of major insurance companies that offer unlicensed driver insurance. Your local traffic court might be able to recommend a list of unlicensed insurance providers – which is particularly useful for drivers who have received a judgement order (say, if you were caught driving without a license).
Your License is Suspended
You can get Buy Driving Fake Online License Uk License. However, you can expect to pay a significantly higher price for your insurance policy. In this situation, you’ll need to be completely honest with your insurance company. You might be tempted to lie about the status of your license, but your insurance company will likely find out regardless.
License Firm The Driver's - Black And Immigration Restricted Colorado News You Want to Build Up a Good Driving Record
You might be tempted to buy auto insurance without a license because you want to build up your driving history. In this situation, a car insurance policy – and the record of getting that policy – may be able to improve your driving record. License Firm The Driver's - Black And Immigration Restricted Colorado News However, unlicensed auto insurance policies typically come with higher premiums. Be sure to check the price of your policy. The cost of the policy might outweigh the benefits of having a long or continuous insurance history.
Alternative Option: Choose a Primary Driver for an Unlicensed Insurance Policy
Many insurance companies will let you get around the “unlicensed driver” problem by offering plans under the principal or primary driver.
License Firm The Driver's - Black And Immigration Restricted Colorado News This is where you can find a bit of a “loophole”: you can list someone else as the primary driver, even if it’s your name on the insurance policy – and even if you’re paying for it. The primary driver does not have to be the person who signs and pays for the insurance policy.
Some insurance companies require you to list yourself as an “excluded driver”. This may lower your premium (especially if you’re paying more for unlicensed driver insurance). However, it also excludes you from being covered in the event of a collision.
License Firm The Driver's - Black And Immigration Restricted Colorado News Of course, driving a vehicle without a driver’s license is illegal – so you weren’t planning to drive your vehicle anyway, right?
Ultimately, compare auto insurance quotes to see if one company offers better rates on unlicensed driver insurance. Rates vary widely between providers – and you can Pinterest Novelty mnoveltyid Id Mr On.