Do I need a valid license to purchase auto insurance?

Sunday, March 8th, 2009

It is possible to purchase auto insurance for your vehicle without having a valid driver’s license. Every state’s law requires all vehicles to be insured, so no matter what the circumstances are concerning your lack of a driver’s license, you must have auto insurance for your car. Even if you’re not driving your car but you’re allowing another person to drive it, you must carry adequate auto insurance to cover that driver and your car, providing protection to anything else that may become damaged as a result. You may find that it is not the easiest experience to get auto insurance without a license, but it will definitely benefit you to try until you get it.

Suspended License Without Auto Insurance

In many states, failure to carry auto insurance will result in fines and possible license suspension. Trying to purchase auto insurance without a valid license may seem like a Catch-22 when you think, how do I buy auto insurance without a license when I need to provide a driver’s license to purchase auto insurance? When looking to purchase auto insurance without a driver’s license, you’ll need to provide certain kinds of information, depending on which auto insurance company you use. Some auto insurance quote Web sites, like onlineautoinsurance.com, allow you to only enter in 0 in the driver’s license number spot to get a quote and subsequently purchase a policy online. Purchasing your policy here will access you a proof of insurance immediately.

If you’re calling a company for an auto insurance quote, they may not even ask for your driver’s license number. Offering your social security number will give them the history of your driving record and they’ll be able to get you set up with a policy and premium. If they do ask for your driver’s license number, truthfully explain to them your situation and why you don’t have one. After requesting your social security number, they will be able to view your driving record and know about your suspended license. It’s better to be honest rather than them catching you in a lie and seeming to be less responsible than the type of person they prefer to cover.

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