Driver Insurance Without a Car - Named, Secondary and Third Party Coverage
First, you have to get a drivers license before getting drivers insurance.
However, it is then possible to get drivers insurance without a car.
You may wish to do so for a variety of reasons like being a named, secondary or third party driver.
Most young people or even teens want to learn how to drive.
But, the problem is they don't have a drivers license so they need to go to driving school to learn how.
When they are done their driving lessons, then that's the time they get a drivers license.
It is a requirement for an insurance company to ask information regarding your drivers license when you want to get insurance.
It can be either, named driver, new driver, secondary driver or even third party driver insurance.
In all cases they will ask for a license.
The next they will ask is if you have a car of your own? Thinking about why people like to get drivers insurance even when they don't have a car or own a car can seem strange at first.
Although they have a driver's license for one reason, so that they can drive the car of their parents, friends and/or relatives.
Actually, most insurance companies now offer a non-owners policy to those people who don't own a car.
Since, people can occasionally rent a car to drive where they want to go.
The non-owner policies mostly cover or insure the liability, medical payments, and uninsured or underinsured vehicle coverage.
The insurance companies don't insure comprehensive, collision, towing and as well as the reimbursement coverage.
Drivers can get about the same insurance coverage even just renting a car by buying the car rental insurance which is offer by the rental company.
That decision depends on the number of days you will rent the car.
When you don't own a car and want to drive or rent a car someday, then it is better to get the non owner policy insurance to be sure because this type of insurance.
The non-owner policy offer coverage for any car you want to drive including if you rent a car and if in case you have an accident.
The car owner insurance would be the first to cover the losses but if in case, the fault is yours and the damage to the other driver's property is exceeded, then the liability limits of the car owner's policy then your non owner insurance policy would cover the excess up to policy limits.
Having this non-owner policy is much better than no driver's insurance at all.
Who knows, someday you might have your own car and at least you already had a non-owner policy then you can purchase or change it to full coverage which is the driver's insurance.
All you have to do is maintain your good driving record.
Avoid getting traffic tickets due to violation; in order to keep a good driving record, always obey traffic rules and regulations.
However, it is then possible to get drivers insurance without a car.
You may wish to do so for a variety of reasons like being a named, secondary or third party driver.
Most young people or even teens want to learn how to drive.
But, the problem is they don't have a drivers license so they need to go to driving school to learn how.
When they are done their driving lessons, then that's the time they get a drivers license.
It is a requirement for an insurance company to ask information regarding your drivers license when you want to get insurance.
It can be either, named driver, new driver, secondary driver or even third party driver insurance.
In all cases they will ask for a license.
The next they will ask is if you have a car of your own? Thinking about why people like to get drivers insurance even when they don't have a car or own a car can seem strange at first.
Although they have a driver's license for one reason, so that they can drive the car of their parents, friends and/or relatives.
Actually, most insurance companies now offer a non-owners policy to those people who don't own a car.
Since, people can occasionally rent a car to drive where they want to go.
The non-owner policies mostly cover or insure the liability, medical payments, and uninsured or underinsured vehicle coverage.
The insurance companies don't insure comprehensive, collision, towing and as well as the reimbursement coverage.
Drivers can get about the same insurance coverage even just renting a car by buying the car rental insurance which is offer by the rental company.
That decision depends on the number of days you will rent the car.
When you don't own a car and want to drive or rent a car someday, then it is better to get the non owner policy insurance to be sure because this type of insurance.
The non-owner policy offer coverage for any car you want to drive including if you rent a car and if in case you have an accident.
The car owner insurance would be the first to cover the losses but if in case, the fault is yours and the damage to the other driver's property is exceeded, then the liability limits of the car owner's policy then your non owner insurance policy would cover the excess up to policy limits.
Having this non-owner policy is much better than no driver's insurance at all.
Who knows, someday you might have your own car and at least you already had a non-owner policy then you can purchase or change it to full coverage which is the driver's insurance.
All you have to do is maintain your good driving record.
Avoid getting traffic tickets due to violation; in order to keep a good driving record, always obey traffic rules and regulations.
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