It’s a common misconception that you need to be a licensed driver to secure car insurance. Insurance companies have identified several special circumstances where customers may need to purchase car insurance with no license.
The process of securing the policy is usually similar whether you have or don’t have a license, but it’s good to familiarize yourself with the exceptions to buying the policy.
1. When You Own a Collectible Car
Some individuals often collect expensive cars as a hobby just like art. The owners of these cars may or may not own a driver’s license. However, even in such circumstances, insurance companies can offer car insurance to protect these prized vehicles from theft, vandalism, or other damage.
2. You Don’t Drive Yourself Around
Not every car owner drives. Several car owners prefer to hire a driver. In such a scenario, insurance companies work with the owner to secure them the car insurance policy.
3. If You’re a Teen Driver with a Permit
It’s not always possible to add teen drivers to your or any of your family member’s existing policy for several reasons. In such situations, if the teen driver has a permit, the insurance company may be willing to offer an auto insurance policy, even if the teen is still learning to drive.
4. When Premiums Are Too High
Some insurance companies usually charge a higher premium from teen drivers below 18, especially male teenage drivers, even if they have a license. However, an older member in the family with no license can be included in the policy to make sure the policy is in safe hands.
Carriers prefer to have an adult member on the policy. This builds trust and can also decrease premium rates.
These are a few situations where it’s possible to get car insurance without a license. Are you looking to buy the best auto insurance policy? Contact the experts at the Scavone Insurance Center in White Plains, New York today.