It’s not uncommon for a person to get a vehicle protection plan without first having a driver’s license, and in some situations it’s even necessary for motorists with suspended privileges. Young or inexperienced motorists that are learning to drive oftentimes need to be insured in order to operate a vehicle. Additionally, automobile owners with suspended licenses typically have to prove that a suitable policy is in place before having those driving privileges reinstated. Because of this fairly common need, there are multiple coverage providers that are perfectly willing to provide car insurance with no license to a variety of motorists. However, because of the risk involve in insuring either an inexperienced or suspended motorist, coverage hopefuls may have to make the effort to look for a suitable insurer.

In order to be considered eligible for driving certification, many states require that permit holders log a certain number of hours behind the wheel. In order to even operate a motor vehicle, however, many of these same states typically require that the car in question is both registered and properly insured with enough coverage to meet the appointed minimum requirements. Although inexperienced drivers are likely to find steeper rates than the average person, permit holders may still be able to find an insurer willing to provide a vehicle protection plan after a small amount of research. Coverage requirements may even be greater if an inexperienced motorist is leasing a car. Oftentimes financial institutions will require vehicle protection that is above and beyond the minimum requirements set by the state, even if the individual leasing the vehicle is lacking the necessary licensing.

Finding Auto Insurance Without a License

There are typically a number of reasons why a vehicle owner would be stripped of all driving privileges. These reasons can range from operating an automobile without the necessary amount of vehicle protection, to being convicted of certain serious offenses. In order to Reinstate a revoked or suspended driver license a person usually has to pay a number of fees and/or provide proof that a vehicle protection plan has been purchased, depending on the offending driver’s state of residence. In many situations a motorist may even have to provide an Insurance Proof Certificate, commonly referred to as an SR 22, which usually demonstrates that the driver in question has purchased a policy that typically lasts for three years.

In situations where a motorist has lost driving privileges, locating an affordable policy provider may be difficult. But because proof of coverage is usually required in order to have one’s privileges reinstated, as previously mentioned, motorists are urged to shop around and explore a variety of options. Just as there are policy providers that are willing to insure drivers who have yet to obtain their license, there are also a variety of companies willing to offer a protection plan those that have had their licenses taken away. Motorists should note, however, that the rules pertaining to unlicensed drivers, and purchasing coverage as a minor, are likely to be different depending on one’s state of residence. Because of this, drivers are encouraged to contact their local Department of Insurance for specific laws and regulations.

Source: http://www.onlineautoinsurance.com/learn/buy-auto-insurance-with-no-drivers-license.htm