Car insurance is a fundamental legal requirement in most states; however, it is exceedingly difficult to get an insurance policy without a driver’s license number. Insurers use it to check your driving record and assess how much of a risk you are to insure. Getting car insurance with or without a license is necessary as it helps to protect your investment. How does it work then, getting insurance without a license? Read on to find out.
Who Needs Insurance Without a License?
There are a few different reasons that someone might need car insurance without having a license themselves. Firstly, if you need someone to chauffeur you around, some people cannot drive due to health issues, especially as they get older. However, they still want to retain ownership of the car and the insurance policy. There is a difference between having a chauffeur and simply having someone from your household drive you around, so bear that in mind. Then there are those with teen drivers in the house. Parents might want to buy a car for their teens but retain legal control until they feel they’re ready. Finally, if you collect vintage cars, then you might want to insure them against theft or damage without ever actually driving them.
How Can You Get Insured Without a License?
There are three main ways to get car insurance if you don’t have a driver’s license. Firstly, you can name a license holder as the primary driver. If someone else at your address holds a valid driver’s license, you can name them on your policy. Most providers will give you a policy as long as you name the licensed individual as the primary driver. Whereas others will want it in writing that you won’t be driving the vehicle yourself while you will be the policyholder.
Next, you can also opt to make a licensed driver the co-owner of the vehicle alongside yourself. Adding a license holder to your title is another option. However, this will mean that legally the license holder will also own half of the vehicle, which is not always desirable.
Lastly, if your car is likely to stay stored in a garage or storage space, you might be able to drop your liability and collision coverage. You are then left with coverage for theft and fire or other damages that could happen while the car is stored. Again, this is an ideal solution for vintage car collectors.
Where Should I Get My Policy From?
Several different companies can provide car insurance without a license. You should do your research to see which provider and, more importantly, which policy suits your needs the best. There are lots of companies out there that are suited to different groups of people. For example, The Hartford offers fantastic prices and policies to AARP members.
Getting your car insured without a license is not impossible, but it might take a little searching before you find the coverage that is right for you. You first need to be sure of your individual needs before you can begin to compare quotes and look at different providers. Take your time.