It is possible to purchase car insurance as an unlicensed driver. However, keep in mind that many insurance companies don't offer insurance for unlicensed drivers or require additional measures if they do. While working with an insurance agent can help you buy unlicensed car insurance, here are some ways you can get unlicensed car insurance. Non-homeowner car insurance won't cover repairs to the borrowed car after an accident, whether it's a collision or comprehensive coverage.
Yes, Geico offers car insurance for people who don't own a car or have access to a car owned by someone in their household. If you can't prove that you have an insurable interest in a car that you don't own, then you should consider buying an insurance policy that isn't the owner's. This could be useful if you're trying to buy car insurance when you don't have a license, since in this category you would be labeled as a high-risk driver. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
For example, if you don't have a car and you have to drive a particular friend's vehicle for your daily commute, you might be able to convince the insurance company that you have a stake in the car. Car insurance for non-homeowners is liability coverage, which only covers injuries or property damage that you cause to other drivers. Like any other car insurance, you should compare the quotes of at least three insurance companies to explore your options and make sure you get the best price. Geico's non-homeowners car insurance offers liability insurance to cover other people's expenses if you're responsible for an accident.
If you buy an old car that is in your garage, you still need to have insurance if you want to be financially protected against damage or theft. Understanding when and how to take out unlicensed car insurance will help you avoid potential problems, such as being fined for not having car insurance when you should or having your registration suspended. Although car insurance generally depends on the car and not the driver, you may have to pay the costs if the damage exceeds the limits of the homeowner's policy. Some insurance companies allow the person who buys the car insurance policy to designate someone other than themselves as the primary driver, that is, the person who will drive the car the most.