In the state of Illinois, anyone can get an auto insurance policy even if they don't have a driver's license. We encourage people we come into contact with to take out their car insurance, even if they don't have a valid driver's license. It's possible to get car insurance without a license, and if someone other than you is going to drive your vehicle, it's necessary. However, some companies may be cautious about insuring unlicensed customers, while some states require that you include at least one licensed driver in the policy.
With so many options for auto insurance companies, it can be difficult to know where to start to find the right car insurance. That's because auto insurance companies take into account the last three to five years of your driving record when setting rates. The application of the compulsory insurance law is carried out through a process of electronic insurance verification and the issuance of traffic citations. The best way to find a good policy is to compare car insurance quotes from several insurance companies.
If you keep a car that doesn't qualify as a classic vehicle, you'll still want to have car insurance. The Illinois Department of Insurance has a Consumer Services Division that can answer any questions you may have about car insurance. When buying car insurance for the first time, the insurer usually asks for your driver's license number in order to check your driving record, which helps insurers determine what their rate should be. If you are involved in a car accident, you will still receive a fine for driving without a valid license, but your car insurance policy will pay for damages up to the limits of your policy.
If you don't have a driving record, had your license suspended, or haven't had one for several years, you'll generally be seen as a higher-risk person, which usually means higher car insurance rates. You may want to work with an independent agent who is familiar with the car insurance options in your area and can help you find the best policy that fits your needs. The SR-22 is a form that your insurance company must file in your state to show that you meet at least the state's minimum car insurance requirements. A good way to meet the SR-22 requirement if you don't have a car is to buy car insurance for people who aren't homeowners.
Another reason you can expect to pay more is because insurers consider that an insurance “coverage gap” represents a greater risk.