Getting a good car is one thing and having it on the roads is another. For anyone looking forward to having a car on the road, a few things must be sorted before getting there. Of all requirements, a valid drivers license and a car insurance policy are the legally mandated requirements for anyone driving in the US (with exceptions in Virginia and New Hampshire that do not require car insurance).
Who Needs a Driver’s License
Not everyone who feels like driving is allowed to be on the road. There are some people that are bared from driving for various reasons. This could be a driver with a suspended driving license, a person with a disability or a senior citizen that is deemed unfit to be on the roads. However, this does not bar you from owning a car. Moreover, you can also have an insurance cover minus your license only if you know what to do.
What It Takes
All in all, a driver’s license is a prerequisite for anyone looking for car insurance. With a valid driving license, getting an insurance policy can be tricky. However, there is always a loophole to take advantage of. As such, If you are looking for an affordable auto insurance without a valid driving license, here is a useful guide on how to get one. Read on.
Have a Driving License Number
Getting an insurance policy calls for having a valid driver’s license. This begs the question, whose driving license should one use? Well, if you are the one driving the car, you should have your number there. However, some insurance providers allow you to include the primary drivers license number. This is where the “loophole” highlighted above comes in. As such, someone without a valid license can have another person’s details there.
What About the Loophole
Ideally, this provision serves to allow you to enter any valid driving license number. It does not have to be the policy holder. The main reason insurance companies ask for the driver’s license number is to determine the rates/premiums based on the driver’s history on the roads.
What if you are the one driving
The provisions for covering another driver vary depending on the insurance provider. In this regard, some insurance providers might allow you to name yourself as an excluded driver. This implies that you will not be covered in case you are involved in an accident.