It might seem counterintuitive, but getting car insurance without a driver’s license is possible. Whether you’re insuring a vehicle for someone else or have unique circumstances, here’s what you need to know.
Why Would You Need Car Insurance Without a License?
- Insuring a Vehicle for Another Driver: If you own a car but someone else drives it, you can list them as the primary driver.
- Collector Cars: You may want to insure a classic car for storage or investment purposes.
- Medical Reasons: Some individuals keep insurance active even if they can’t drive temporarily due to health issues.
Steps to Get Car Insurance Without a License
- Find the Right Provider: Not all insurance companies offer policies to non-drivers, so research providers who do.
- List a Primary Driver: You’ll need to list a licensed driver on the policy.
- State Requirements: Check local laws to ensure compliance.
Costs and Considerations
Insurance premiums without a license may be higher due to perceived risks. To reduce costs:
- Compare multiple quotes.
- Choose a higher deductible.
- Opt for minimal coverage if you don’t plan to drive the car.
FAQs:
- Can I buy insurance for a car I don’t drive? Yes, as long as you list a licensed driver on the policy.
- Do I need car insurance for a parked car? Yes, if the car is registered and could be subject to theft or damage.
Disclaimer: Requirements and policies vary by state and provider. Consult an insurance agent for personalized advice.
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