A driver's license is a legal tool you need to drive a car, and along with having a driver's license, you will also need to have auto insurance in order to legally drive. There are times, though, when people will want to purchase auto insurance even when they do not have a driver's license. If you are in this situation, here are three things you should know.

Why a person would want insurance if they do not have a license

Having car insurance is important not only for people who drive but also for other reasons. For example, if you no longer drive but still own a car, you may want an auto insurance policy for your car and to cover whoever drives you around. Secondly, if you have a teen driver who needs auto insurance coverage, you might have to be listed on the policy even if you do not have a driver's license. In other words, it might be hard to find an insurance company to cover a 16-year-old driver without having an adult on the policy with him or her. And finally, if you are trying to get your driver's license back, you will also need to buy an auto insurance policy, as this would be a requirement in order to get your license back.

The challenges you might face in this

When you try to get auto insurance without having a license, you are likely to face some challenges. The first challenge is that there are some companies that will not even insure a person if he or she does not have a license. Secondly, you may face the challenge of finding an affordable policy, as insurance companies will view you as a high-risk policyholder if you want insurance but do not have a license, and this would result in paying higher rates.

The best route to take to purchase insurance without a license

If you do not have a license but really want or need auto insurance, you should call around to find a company that is willing to give you a policy. Keep in mind, the policy might cost more because you do not have a license, but at least you would be able to get the insurance coverage you want or need. You can learn more about this by calling a couple of auto insurance companies to find out if they will offer you coverage.

To learn more, call auto insurance agencies in your area today.