Auto Insurance Without Drivers License
You cannot legally drive without a drivers license, so you would think that getting insurance would be impossible with one. Why have auto insurance without drivers license? Since you will not be driving a vehicle on the road, there would be no need to be covered by insurance, right?
Wrong. You may own a vehicle that you want to cover for physical damage. Perhaps you have someone in your family who may drive the vehicle, you can list them as a driver. Having auto insurance without a drivers license may still be a necessity in certain instances.
You should be able to obtain an auto insurance rate quote without possessing a drivers license. However, in most cases, you will need a license to actually purchase an insurance policy. If your license has expired, or if it has been suspended or revoked, insurance companies may allow you to acquire insurance. You would have a specified period of time (usually 30 – 45 days) in which to get a license.
Some insurance carriers will not issue an insurance policy if you do not have a license. You should be honest when calling for quotes. Most companies will check your MVR (motor vehicle report) before issuing a policy. If they are one of the companies which does not issues policies to non-license holder, than you can just move to the next one.
Your best course of action may be to call a local agent. It is harder to get policies online if you do not have a license. Tell you agent what your situation is and he can direct you to what is best for you. When you meet with the agent, be certain to have pertinent information about your vehicle. You should have your VIN (vehicle identification number), make and model of vehicle, year of vehicle, and license plate number. This will expedite the processing of your application.
Some people have reported success with obtaining insurance online even if they do not have a drivers license. All they have done is entered in their personal information, vehicle information and a credit card number. When asked for a drivers license number, they would put in the number of an expired license or an ID number. I would certainly not recommend doing this as it sounds illegal. I imagine there are some fairly harsh penalties for this.
Yes, it is possible to obtain auto insurance without drivers license. Do you research and find out what companies offer this type of policy. Compare rates online and talk to a local agent who may be able to direct you to the best policy.
If you want to get auto insurance without drivers license, you need to find the right company. Saving on ins policies is very important. Http://www.onlineautoinsurance.com/learn/buy-auto-insurance-with-no-drivers-license.htm http://www.insurance.wa.gov/news/2009/3_5_2009.shtml
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