When it comes to owning cars and driving cars, having a valid driver’s license is a huge part of the process. It’s possible to buy a car and obtain an auto insurance policy without a driver’s license, but it isn’t easy. Here is some advice you can follow if you need auto insurance but don’t have a driver’s license in Tulsa, Oklahoma.
Regardless of your reason for not having a valid driver’s license, insurance companies will see you as high-risk and might not want to offer you a policy. Sometimes a state-issued ID card will be enough, but even then it can be tricky. Speak to your auto insurance broker to find out all the options available to you. Always be honest with your insurer or broker about why you don’t have a driver’s license so they can help you find the best deal. It’s possible that your typical insurance company could offer you a policy but if not, there are auto insurance shops that offer affordable car insurance plans specifically to high-risk drivers.
When you compare car insurance quotes be sure and input that you do not have a driver’s license. Many auto insurance carriers will charge more on monthly premiums for drivers without an active license. So, if you are looking for low cost auto insurance in Tulsa be sure to have an active driver's license.
Reasons You Might Want Insurance Even If You Don’t Have A License
If you don’t drive and don’t own a car, then you don’t need auto insurance. However, this isn’t the case for all people with no license. If you are driving a vehicle even on rare occasions the car will need insurance. If you do not own the car then you can purchase a non owners insurance. There might be circumstances where you have no license but still need to own and insure a vehicle.
Medical Reasons Or Age: If you can no longer drive due to a medical condition, accident, or advanced age, but you still own a car you will want to carry insurance on that vehicle. If the car will be stored you can get a special non-drivers comprehensive policy. If someone in your family will be using the car to drive you around, then you’ll need whatever insurance you would normally carry on the car.
Suspended License: If you lost your license temporarily due to some sort of violation, such as DUI, reckless driving, unpaid tickets, or the like, then you might want to keep an active policy to avoid a gap in coverage. A gap in coverage will make it even more expensive to get a policy once your license is reinstated. In some cases, you have to provide proof of insurance just to get your license back.
Getting An Auto Insurance Policy In Tulsa Without A License
You can buy a car and insure it under another policyholder, as long as that person lives with you, such as a family member. You can sign an affidavit excluding yourself as a driver under the policy. You can also seek a policy that covers your stored car for damage and theft not related to driving accidents. If you’re having trouble finding affordable auto insurance coverage without a license in Tulsa, contact an auto insurance agency that specializes in high-risk insurance to help you. The options might not be ideal, but all things are figure-out-able if you put your mind to it.