I’m trying to buy car insurance, but I don’t have my driver’s license yet. Does anyone know if that’s possible? I’ve heard some people say it’s okay as long as you have a licensed driver on the policy. Anyone else done this?
Yep, you can buy car insurance without a license in Iowa. You can list a licensed driver as the primary one and still be the policyholder. That’s what I did before I got my license.
Jaden said:
Yep, you can buy car insurance without a license in Iowa. You can list a licensed driver as the primary one and still be the policyholder. That’s what I did before I got my license.
Oh, that’s good to know. So I can use a family member’s license for the policy? Sounds easy enough.
Some companies even let you use an ID number instead of a driver’s license number. It’s worth checking with different insurers.
Fifer said:
Some companies even let you use an ID number instead of a driver’s license number. It’s worth checking with different insurers.
Really? I didn’t know that. I’ll definitely ask my insurance provider about using my ID.
Yeah, the key is just to explain the situation to the insurance company. A lot of them get it, especially if you’re working on getting your license.
Whitney said:
Yeah, the key is just to explain the situation to the insurance company. A lot of them get it, especially if you’re working on getting your license.
Good to hear! I was worried they’d turn me away for not having my license yet.
Heads up though, your premiums might be a little higher if you’re not licensed yet. They see new drivers as a higher risk.
Tamsin said:
Heads up though, your premiums might be a little higher if you’re not licensed yet. They see new drivers as a higher risk.
Yeah, I’ve noticed that too. But it’s better than not having coverage at all. Just something to keep in mind.
And once you get your license, make sure to update your policy so they have your correct info. You might even get a better rate after that!
Sawyer said:
And once you get your license, make sure to update your policy so they have your correct info. You might even get a better rate after that!
That’s a good point! I’ll make sure to do that when I finally get mine.