This question is about How to Get Car Insurance @merrill_burchell • 09/01/21 This answer was first published on 07/17/19 and it was last updated on 09/01/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial
institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. You can get car insurance without a license from some small local insurers. To get car insurance without a license you need to exclude yourself as a driver on the policy and list a licensed family member, friend, or caretaker as the primary driver. It’s possible, with some effort, to insure your car so someone else can drive it. Focusing on
smaller companies will give you the best chance of finding coverage as an unlicensed driver. Most national companies will not insure you without a license. The risk is too high, in their eyes, that you will drive the car yourself. This is a legal statement that, as an unlicensed driver, you are not going to drive the car. Note that if you do drive illegally and get into an accident, the insurance company will not cover any
claims. If you get or regain your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured on the policy. This can be a spouse, family member, roommate, caretaker or friend. They may live with you or not. They must, of course, have a valid driver’s license. Try this step if you can’t find any company that will insure the car for you without a license. There should be no trouble insuring the car with a licensed driver listed as co-owner. If no one is going to drive the car, but you want to protect it against accidental damage while it’s stored,
you have the option of purchasing comprehensive-only or parked-car coverage. You will have to cancel your registration and turn in your plates to do this, but it is cheaper than buying a policy that also offers
liability coverage. This type of insurance is offered by many national firms such as Allstate and State
Farm. Answer Question People also askWhat does full coverage car insurance cover?Full coverage car insurance usually includes collision and comprehensive insurance alongside any state-mandated coverage. As such, full coverage may cover bodily injury, property damage, uninsured motorist, PIP, collision and comprehensive claims. What Common Components of Full Coverage Car Insurance Cover … read full answer
Since some states require more types of coverage than others, the exact standards for “full coverage” insurance differ. Most states require all drivers to have a minimum amount of liability insurance, but some states have requirements for personal injury protection or MedPay, too. Some also require a specified amount of uninsured/underinsured motorist coverage. To learn more, check out WalletHub’s guide to full coverage insurance. show less Can I get car insurance with no license in California?You can buy car insurance with no license in California if you’re insuring your car for someone else to drive, you want to insure a stored car against damage, or you need insurance to get or regain your license. These insurance options are available in most states, including California. To buy a policy, you will have to assure your insurance company that you won’t be driving the car illegally.… read full answer In California, you can insure your car for someone else to use by naming that person as the “primary driver” on your policy. You’ll also need to name yourself as an “excluded driver.” This tells your insurance company that you will not be driving. If you do drive the car and get into an accident, your insurer can reject any claims. If you’re putting your vehicle into storage for a while, it’s wise to insure it against problems like theft, weather damage, vandalism and fire. That calls for comprehensive coverage. To buy it without a license, you need to cancel the car’s registration and remove the license plates before you store it. Finally, when you apply to get your license back after a suspension, you must have at least California’s minimum liability coverage under your name. Some, but not all, insurance carriers in the state will issue you a policy and submit your required proof of insurance—an SR-22 form—to the DMV. When you don’t have a driver’s license, you must have a good reason for needing insurance to buy a policy from any reputable company. Even with a good reason, insurers will generally classify you as high-risk and charge higher premiums. show less Can you get car insurance without a car?Yes, you can get car insurance without a car. You can buy non-owner car insurance which will provide your state minimum car insurance coverage as long as you have a valid driver's license, do not have a vehicle registered in your name, and do not have access to a household vehicle.… read full answer How to Get Car Insurance Without a Car
Non-owner car insurance is liability-only coverage, which only covers injuries or property damage that you cause to other drivers. It does not provide coverage for you, your passengers, or the car you are driving. When to Consider Getting Car Insurance Without a Car Your friends’ insurance policies might allow them to list other drivers for permissive use, which would cover accidents that occur while you’re borrowing their car. But any damages that go beyond the limits of their policy would be your financial responsibility. By obtaining non-owner insurance, you provide yourself with additional protection in such cases. Non-owner car insurance policies vary in cost, but they’re typically cheaper than car insurance coverage for a vehicle you own. Your age, driving history, where you live, and how often you drive all factor into the rates you may be offered. If you are interested in obtaining non-owner car insurance coverage, we recommend seeking quotes from several insurance companies before making a final decision. show less WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? |
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