I understand that you might want to try and potentially save money, but lying to your insurance company isn't going to help. In fact, it could potentially even lead to your coverage being dropped.
Here is a good resource from the State of Michigan regarding license information. It does look like you have to go to the DMV.
Yes, you are able to get car insurance with a state ID although not all companies will be willing to, there are several that will. Make sure you clear up the status of your license to get the best rates.
If you have a state ID, you can get insurance. However, most companies require you to get a license within a specific time frame, but not all.
Yes, you can get insurance with a permit. You typically have 60 days to get your license, but every company is different.
You should add your daughter and the new car to your policy if she'll eventually be driving it once she gets her license. This will prevent the insurance company from having any reason to deny a claim in the event of an accident. If you're interested in learning more information regarding car insurance for teens, see our guides below: Car insurance for teens Car insurance for 16-year-olds Car insurance for 17-year-olds Car insurance for 18-year-olds If you have any further questions, don't hesitate to ask.
There are many different factors that go into calculating your rate. According to our State of Insurance report, the national average premium for 21-year-olds in 2018 was $2,461 and in New York, the average premium for drivers between ages 21-29 was $2,227. We can help you look for quotes from dozens of insurers at The Zebra to help you compare and find the best rate.
Yes, there are several companies that will insure you with a learner's permit. Not all companies will do it but most will.
Coverage & Claims
You can get insurance with an SR-22 for a different state since that is required to get your license reinstated. We can quote you with several different companies that will be able to help you at The Zebra.
You should be able to add your wife as a driver to the policy with a state ID for now. Most companies give you 30-60 days to provide your new license information.