Car insurance companies can mark unlicensed drivers as high-risk drivers, but you can still get unlicensed car insurance. You'll want to find the best car insurance policy for your specific needs. The easiest way to demonstrate insurable interest in a car is to add your name to the title and registration. And while getting car insurance in Pennsylvania without a license can be difficult, it's not impossible.
You can also take out insurance to protect a car that is parked or stored or to avoid an interruption in coverage while you're not driving. Changing insurance companies can be a great way to save on your car insurance premium, although it's important to remember that you may be charged cancellation fees every time you change companies in the middle of the policy. Start by getting quotes from regional and local insurers and agents, as most national insurers don't offer quotes to unlicensed drivers. You may need unlicensed car insurance if someone else uses a car you own, or if you still have your learner's permit but have your own car.
This reduces the risk for the auto insurance company, since you and your vehicle won't be covered if you drive the car and have an accident. 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. To buy an auto insurance policy that isn't from the owner, you'll need to talk to an agent on the phone or in person. By maintaining comprehensive insurance, you can avoid an interruption in coverage, which can cause your insurance to increase in the future and cause the most reputable insurance companies to deny you 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. You don't necessarily need a license to buy car insurance, but an insurer is much less likely to agree to cover you. The best way to get car insurance when you don't have a license is to buy a policy and include yourself as an excluded driver. If you decide to switch insurance companies in the middle of the policy, you should contact your current insurer and tell them instead of simply not paying your premium.
However, as in the case of being listed as an excluded driver, you will be considered uninsured if you drive your car while you only have car insurance parked. 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.