subject: Information About Getting Car Insurance Without License [print this page] Do you know that there is car insurance without license? This type of policy is for those drivers that are not yet of legal age and cannot apply for a driver's license. Those individuals that are already driving without a license yet needs to be insured and examples are the teen drivers. If you drive your family car and you are not yet registered to drive and is underage then better get a policy.
Why is it so important to get a policy when you do not own the vehicle and you do not have a license to drive yet? This is important because you are driving the family vehicle and you need some coverage. Statistics shows that most teen drivers often get involved in road accidents every year and so you as a young driver are likely to encounter road mishaps considering your age.
Damage expenses during accidents are very expensive and if you are insured, these expenses will be shouldered by the company. If there will be court cases filed against you and you are sued for a certain amount because it is your fault, the company can also help you. State laws require that every individual who drives a certain vehicle even if they do not own it must be insured.
Try driving without policy and get involved in an accident. You will surely find yourself in jail. The punishment is heavier because aside from the charges of the mishap, you are violating the law and so you have double punishment. The fees of the damages are also more expensive and if you try to get a policy after the event, expect that most companies will charge you with very expensive rates.
There are cases wherein a teen is given a vehicle not named after him or her and the main driver insured on the vehicle is not the young driver. When the authorities will get hold of this case, the young driver will get heavy penalties as well as the main driver and fees again are very expensive. So if you don't want to be involved in such scenario, be sure that you are insured properly.
In order to obtain this type of policy you need to go to the offices of the company selling it and obtain a quote. Getting a quote beforehand is important because you need to know the rates of the coverage you will be buying. You can obtain several quotes from many different providers so that you can compare.
Car insurance without license rates can be lowered depending on the status of the driver. Discounts can be obtained and it's what makes the policy lower. Academic records and good driving records are just one of the few reasons that can allow a discounted policy.
by: Lance Thorington
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