Can You Get Car Insurance No Drivers License Texas?

Although “No Drivers License Car Insurance” might seem improbable, car owners who have got their driving license suspended or lost due to some reason, can actually get it. It is believed often that an auto insurance policy is not offered by car insurance companies to an owner without a license. However, it is not true in a lot of cases and an insurance policy can be availed by many owners even in the absence of a driving license. Read and know some of the primary reasons for obtaining car insurance no drivers license Texas without any license.

Suspended driver license

This is one of the commonest reasons. Even without having a valid license, you can get a car insurance in case the driving license is under suspension for some cause. But you have to understand that the premium for the policy would be much higher in such cases. It is advised that you should be completely honest with your insurance provider. Suppressing facts can make you face stricter legal action or at least lead to the cancellation of the insurance package, which is of course the last thing that you would want.

Having your personal driver

If you are a disabled or an elderly individual who requires the services of a driver in order to drive your car, you can think about purchasing an auto-insurance. However, you have to own the car that is supposed to be insured and a valid driving license has to be shown by the driver in such a case. It is important for you to avoid going for an auto-insurance unless you do not have even your driver having a valid permit with him or her.

Under Judgment Order

An auto-insurance can also be availed without license in case you have got caught driving your vehicle without a proper driving license and you have been ordered by a court to get a permit. In this type of a situation, it is important for you to first obtain an unlicensed auto insurance policy. You will, in any case, have to make sure that the auto insurer offering car insurance no drivers license Texas is a legitimate one.

Protecting a sitting vehicle

Some agencies also offer insurance covers without owners having any driving license in order to safeguard vehicle from any type of damage. It is not required that your car will have to be driven in order to suffer damage. Even a “sitting” on non-used vehicle can suffer damages in case of arson, break-ins, robbery and other problems. Generally, auto insurance without any type of license is cheaper than full auto insurance policy or minimum liability cover that is needed legally by every state.

While you can buy an unlicensed auto insurance cover, it is important for you to know as a consumer that the lowest rates for premiums are only available for people with excellent past driving record. Naturally, it is better for you to improve your driving record in case you have been looking for this type of car insurance.

Check out my other guide on 5 Things to Check While Opting for Car Insurance in Arlington TX and Car Insurance FR-44