General Insurance

How do I purchase insurance if I own a car but someone else will drive it?

You may be able to find a company that will insure you without a license and you would then list the person who will be driving your car on the policy. If you can't find an insurer that will insure you without a license, then the person who will be driving can get a policy in their name and list you as an excluded driver and additional interest on the policy since you have a financial claim to the car.

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Car Insurance Costs

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.

Eligibility

Temporary car insurance for foreign driver in US

Since you will be driving your friend's car, you will need to be listed on their insurance policy as a driver. Since your friend is the owner of the car, they are required to maintain insurance on it.

General Insurance

Do I need a commercial or personal policy?

I would contact your current insurance and see what they say about coverage for this type of use. It's likely they will mark your policy as a "business use" under a personal policy.

Car Insurance Costs
Coverage & Claims

If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?

The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
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