In some cases, you may need a state-issued identification card to get a policy, even without a license. You should be transparent about the status of your driver's license when buying car insurance. The insurance company will not issue a policy without obtaining a motor vehicle report for the main driver. If they give you a policy without a license, they can revoke it when they realize that you cannot drive legally in Texas.
Before your license can be reinstated, you'll often have to complete certain steps, such as paying outstanding fines, completing a defensive driving course, and presenting proof of car insurance. Driving without insurance is often a serious offense, as most states require a minimum amount of liability insurance for all drivers. According to Insurify, it's also common for those who own classic or collector cars to insure vehicles even if they're not driving. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy.
You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. If you keep your car for an extended period of time, suspending car insurance could save you money. Teens in this situation may need to purchase an individual auto insurance policy before obtaining a license to meet the Texas learner's permit requirements.
Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. Depending on your state's regulations, you may be able to pause your car insurance if you're not driving for an extended period of time. Your new insurer may also have to file an SR-22, a form that some states require to prove that you have insurance (some states require a similar form known as FR-4). The SR-22 is a form that the insurance company must file with their state's department or motor vehicle office to confirm that they have the amount of insurance required to drive legally.
You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. You can choose to eliminate optional coverages, such as comprehensive auto insurance coverage and car collision coverage, but if you leased or financed your vehicle, your lender will likely continue to require that you have these specific coverages to protect your investment. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Insurance companies consider a lapse in car insurance coverage to be a red flag because it's often associated with higher-risk drivers.