In most states, those who own a motor vehicle are also legally required to also obtain insurance. And under certain conditions, sometimes it becomes necessary for those without a license to obtain insurance. While this is not usually a difficult process, those who need to get auto insurance no license will need to know how to go about it.
There are a number of reasons why one may not have a license, yet are in need of coverage. Those who are in the process of getting a drivers license need to be protected by insurance. In most cases, an insurer will accept a drivers permit until a student has passed the driving test. You will have to give proof of your license when you do pass the test.
Perhaps others may have had their license revoked of suspended for some reason. Whatever the reason, the insurer will need to know. They will likely give you a grace period, usually a certain number of days, to get your license back before the policy will expire. It is never good to let your license expire, so those who have had their license revoked will need to show up in court with proof of insurance and the required fee to have their license reinstated. Also make sure that you get a copy of your license to your insurer before the policy is set to expire.
There are others who are unable to drive for medical reasons, but may still own a vehicle that needs to be insured. This should not pose any problem. Some companies will not even ask if you have a valid license when you are inquiring about their policies or getting a quote.
Be up front with the insurer you are working with, and let them know immediately why you do not have a license but are in need of coverage. You may be surprised how much they are willing to work with you and help meet your needs, even helping you get the discount you need in many cases.
You may still wish to consider shopping around to get the best policy at the most affordable price point. There are hundreds of insurance companies out there, and some really need your business. Comparison shopping by using online quote services is a simple way to go about this. Many prefer the convenience and simplicity that is offered with these online quote sites.
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