Yes there are legal ways to get a car insurance in your own name for your own car, even if you do not have a drivers license, your license is suspended, revoked, or you only have a learners permit. Usually in America, you need to have a driver’s license first, then you buy a car, and then you buy the car insurance.
When you use Progressive Insurance login to enter your personal information, you will be asked to enter your license status. You will need to choose from the following options:
- Permanently revoked
- Not licensed
- Commercial and business
- Foreign drivers license
These options are there for a reason; you can get car insurance even if you choose any of these options.
Other options to have car insurance without license
Although many companies offer car insurance to people who do not have a driver’s license, you must fulfill their other criteria. In the following situations, you may look for an insurance without license:
Having a personal driver
In case you want to hire a licensed driver for your car, your car must be in your ownership and your driver must have a valid driver’s license.
A judgment order
In case you have recently been booked for driving without an adequate license and the court has directed you to procure a license, you need to get a car insurance policy without a license. You must make sure that you get the car insurance from a legitimate insurance provider such as Progressive.
If your license is suspended for a certain period of time, you can still have car insurance for your vehicle. However, you must be aware that the premium for your car insurance will be significantly higher than normal insurance. Moreover, it is important to be truthful with your insurer.
Good driving record
Although you can buy car insurance without a valid license, you must know that you can have better premium rates if you have a flawless driving record. Hence, it is better to improve your driving record before applying for unlicensed car insurance.
Some insurance providers provide car insurance to the car owners who do not have a license or are in the process of procuring it, but they want to protect their car from physical damage. You must remember that your car may incur damage even if you are not driving it or it is parked on the roadside. Usually, you can buy cheaper car insurance for such conditions as compared to full auto insurance or minimum liability insurance policy as required by law.