Getting auto insurance without a driver's license can be tricky, but some options exist.
Having a valid driver's license is a crucial step toward getting car insurance. Your driver’s license allows insurance companies to assess your driving history. Insurance companies use your road résumé to predict the risk you pose and how much they should charge for their protection. However, there are some ways to get car insurance without a license.
Before you get car insurance, you need to find a car. It is legal to purchase a car without a valid license, but the process is easier if you have a driver's license. Some car dealerships strictly enforce proof-of-insurance driver's license regulations. Some auto dealers require a photocopy of your insurance card and driver's license before allowing you to take a test drive. Others are more focused on their sale than your legal ability to drive. It depends on the individual dealership's protocols.
It’s much easier to buy a vehicle without a license than it is to purchase insurance coverage with no license, as the dealership forgoes responsibility after purchase. The more complicated step is getting insurance with no driver's license.
It will be difficult — and potentially expensive — to purchase car insurance without a valid driver’s license. Insurance companies see risk in an unlicensed driver, regardless of your reason for being unlicensed. Some insurance companies will cover you if you have a state-issued ID card. Your best bet for finding insurance is to speak with a local independent agent. These agents are licensed to write auto insurance policies for different insurers and could be familiar with local companies that issue no-license car insurance. Consult as many agencies as possible, as rules and procedures may vary.
It's best to be truthful regarding your license status when getting a car insurance quote. An insurer will run a Motor Vehicle Report (MVR) when calculating your premium. An MVR details your driving history. If you use a fake or invalid driver's license number, it will register on your MVR. The insurance company could drop you, forcing you to start over again. While it may be difficult to find auto insurance without a license, you can save yourself time and trouble by being upfront about your driving situation.
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