As an unlicensed driver, you can purchase auto insurance. However, many insurance companies either refuse to insure unlicensed drivers or require additional steps if they do. Although it may seem counterintuitive to buy auto insurance if you do not have a driver's license and thus cannot drive, there are some reasons and particular circumstances in which an unlicensed driver may benefit from having proof of insurance. In some cases, having car insurance can help them protect their vehicle and save money on monthly premiums. Although speaking with a licensed insurance agent is your best bet.
Although some insurance firms will refuse to cover someone who does not have a driver's license, others will. However, it may be more expensive than hiring a licensed driver. This is because car insurance companies base their rates on your driving record over the previous three to five years. If you don't have a driving record, your license has been suspended, or you haven't had a license in a long time, you'll be considered a higher risk, which means higher car insurance rates.
Another reason you'll pay more is that insurers consider an insurance "coverage gap" to be a higher risk. This is a period when you do not have insurance, such as when you cancel a policy before a new one is in place or when you are between cars. A driver with continuous coverage will typically pay less than someone with gap coverage.
If you're looking for low-cost car insurance in Oklahoma City without a drivers license, you should shop around and compare quotes from various companies. Insurers base the cost of auto insurance on several factors, including your age, address, vehicle type, and driving history, so each driver will ultimately receive a different rate. As a result, shopping around is your best bet for finding the cheapest car insurance in Oklahoma City or anywhere.
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Reasons to getting Car Insurance in Oklahoma if You Don't Have a License
Because getting an auto policy without a license can be difficult. Working with a local agent who can guide you through the application process and locate the best auto insurance companies to suit your needs is a good idea.
Here are a few tips on why you might need car insurance if you don't have a driver's license.
You may own a car for transportation if you are disabled or no longer able to drive, but have someone else drive you, such as a family member or caregiver. One reason for purchasing an insurance policy and making yourself an "excluded driver" is listing your driver as the primary operator. The benefit of listing yourself as an excluded driver is that you will not be charged higher rates than if you were listed as an unlicensed driver. The disadvantage is that you will be without insurance if you drive your car and are involved in a car accident. However, your rates may be higher if you are listed on the policy as an unlicensed driver.
Excluded driver policies differ by insurance company and state. Driver exclusions are not permitted in some states. If your state allows driver exclusions, you'll need to fill out a "named driver exclusion" form.
- You are insuring a vehicle for a minor
Some lenders will not lend to drivers under the age of 18, making it difficult for a minor to purchase a vehicle. Even if you don't have a license or intend to drive the car yourself, you might buy a car to assist a young driver in this scenario.
On your car insurance policy, you might be able to list yourself as an excluded driver and your teen driver as the primary operator. However, the rules for excluding a driver differ by state and company.
- You are a vehicle collector or storing a vehicle.
There is no law prohibiting someone without a driver's license from collecting automobiles. For example, you may have purchased a classic car to restore but not drive it on public roads. It's worth looking into classic car insurance if you own a vintage, antique, or replica vehicle. Some classic car insurance companies offer coverage for spare parts and automotive tools, as well as "vehicle under construction" coverage, which increases your coverage limits regularly to keep up with your restoration progress.
You'll still need car insurance if you're storing a car that isn't classified as a classic. You might need a comprehensive protection policy. Vandalism, theft, floods, hail, Fires, and falling objects are all covered by comprehensive insurance.
However, if your car is driven on public roads, a comprehensive-only policy will not provide adequate coverage. If the car is driven, most states require liability insurance. Property damage and bodily injury to others are covered under this policy. You could face financial ruin if you or someone else driving your car causes an accident without liability insurance.
- You have a student driver, but you do not drive.
Let's say you purchase a vehicle for your teen when they turn 16 and get their driver's license. The car must be insured even if you are not driving it. Almost all states require proof of insurance before registering a vehicle with the department of motor vehicles. If your teen isn't old enough to have their own policy, they'll have to be listed as a driver on someone's policy who is. Adding a teen to your policy can significantly raise your rates, so shop around and compare vehicle insurance quotes to locate the best deal.
- You own a vintage vehicle but not driving it.
If you want to be financially covered against damage or theft, you must insure your vintage vehicle even if it sits in your garage. Even if you don't plan on driving, a policy with optional comprehensive auto coverage, which covers non-collision situations such as theft and vandalism, may be worthwhile. If you don't drive this vehicle, it might be more cost-effective to cover potential vehicle losses, such as a tree falling and smashing the windshield, rather than acquiring collision insurance for accidents.
- Your driving license has been suspended.
In case your license has been suspended or revoked as a result of your driving records, such as a DUI conviction or a high number of traffic violations, your state or a court order may require you to obtain "SR-22 insurance." It is a form that your insurance firm is required to file with your state to demonstrate that you have at least the state's minimum car insurance requirements. Non-owners car insurance is a good way to satisfy an SR-22 requirement if you don't own a car.
Tips For Finding Affordable Auto Insurance Without A Drivers License
Keep Your Driving Record Clean
In almost every case, policyholders can save money on their car insurance by not having any collisions, claims, or accidents on their driving record. If they are considered high-risk, unlicensed drivers who choose to buy policies can list themselves or other drivers as excluded drivers. If your license has been suspended, see what options you have for disputing your claims or lowering your costs.
Shop Around for Car Insurance
In any case, shopping around and comparing car insurance rates is the easiest way to save money on your policy. Doing your research before committing to a policy is best, especially if you need a special SR-22 policy, which can be significantly more expensive than standard policies. Insurify is here to assist you in locating the best rates available, and it is completely free.
Save by Buying a Pre-owned Car
Insuring costly and flashy vehicles is more expensive. You can save money on your vehicle coverage by not purchasing a new car or a sports car, both of which are more expensive to repair and replace. If you're an unlicensed driver looking for coverage to protect a parked car, you might find that a standard, older model, or a pre-owned (used) car is less expensive.
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You can basically buy a car without a driver's license, but it won't be easy. It's a lot easier to buy a car if you have a driver's license, but you don't have to have one. The rules of the auto dealership will determine the parameters under which this can occur. For the deal to close, you may need to show proof of insurance right away. Without evidence of a valid driver's license and insurance, you will not be permitted to test drive the vehicle. However, there are ways to purchase cars without a license; you'll need to ask around to know what they are in your area.