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General Insurance

Why does my wife with a suspended driver license have to be on my car insurance?

Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.

Eligibility

Can I get car insurance if I don't have a license?

The majority of insurance companies require that you have a valid license before issuing a policy. However, there are companies that will issue coverage with just a state ID.

General Insurance

Do I need storage coverage for my vehicle if it isn't running?

In Minnesota, if the vehicle is inoperable then you don't have to carry insurance. Storage insurance would provide physical damage coverage so your vehicle is protected while it is being stored, but it does not provide coverage to drive on the road which wouldn't make you legally compliant anyway.

General Insurance

If my license was previously suspended but has been reinstated, will this affect my insurance?

Your rate may be impacted by the prior suspension if it was within 3 years of the start date of a new policy, but each company is different so there is also a good chance that it won't have any impact. If you speak with an agent in person or over the phone you may want to mention the suspension but also note that it is currently valid to avoid any confusion since the driving report is run at the time that you purchase your policy and not when you get a quote.

Eligibility

Can I get car insurance if my spouse has a revoked license?

Most companies will not insure a driver with a revoked license, even if there is a driver on the policy whose license is valid. Your spouse must be listed on your policy since you are married, but she does not have to be covered as a driver.

Eligibility

Can I still get insurance if my license is suspended?

While there are companies that will not insured a driver with a suspended license, there are many that will. Larger, more highly rated companies will not want to take on the risk of insuring someone with a suspended license but there are hundreds of companies that will provide coverage.
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