Obtaining Auto Insurance Without A License
Are you looking for auto insurance without a license
? You can insure your vehicle, this way. Here are some to look at.Difficult positions
Are you facing a suspension or revocation? Is it a DUI situation? This may be very difficult to buy coverage for your vehicle. Check with your state requirements. Different states have different rules. You may not be able to insure your vehicle while you are under suspension. In fact, many states suspend the vehicle registration, also. You might have to turn you vehicle tag in when there is a revocation due to a DUI.
When it is time to reinstate your driving privileges, you need to insure your vehicle beforehand. You are required to buy extra liability coverage. The company that insures you, must file an SR22 form with the state. This coverage is for high risk drivers. Do not expect it to be cheap. The rates may be very steep for several years. You will need to buy this coverage, whether you own a car or not.
First time drivers
You can insure your vehicle when you have a learner permit. Some insurance companies may require that you get your regular driving permit within a specified amount of time. This is usually in the case of young drivers buying a car. There is another way to do this, if the young driver lives at home. When purchasing the car, place it is the teens name and one of the parents name. The parent can insure the car while the teen has a learner permit. This is perfectly legal, as long as you inform your insuring company. You can make the teen a part time driver. Make sure that they know the teen only has a learning permit.
If you are an adult without a legal driving permit, buying coverage depends on your situation. If your permit is under suspension, you may be able to sign the car over to a relative. They can insure the car and drive it, until your permit is restored. You will have to pay for title fees and new tags. In some cases, you may be able to insure the car and list someone else as the driver. It is best to discuss the matter with the proper insuring agents.
Damage only
You may be able to purchase comprehensive coverage on your vehicle. This will depend on the company and where you live. This will protect you from things like fire damage and theft. It will also protect your vehicle from storm damage. You will not be able to drive your car. However, you will have protection. If you have a secured loan on your car, you will have to have protection coverage.
Summary
Can you get auto insurance without a license? The answer is yes, but it depends on your situation. If you are under suspension there may be specific rules that you have to follow. If you have a learners permit, there are ways to insure your car. You can also insure your vehicle against damage. It is best to talk it over with company representatives to be certain.
by: Lance Thorington