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Insurance For Drivers With No License
It’s how you get car insurance when you don’t own a vehicle. In Washington State, you can get broad-based auto insurance that insures you while you drive most cars or pickup trucks. Because it covers you, the driver, while driving owned and non-owned vehicles, a
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Insurance on your license is a great solution If you regularly borrow a car from friends or family and want to make sure you are covered. It does not provide coverage for the owner of the loaner car but, if you are responsible for an accident, you are protected up to the limits of your policy.
It’s also perfect if you drive a number of either owned or non-owned vehicles that don’t need comprehensive or collision coverage.
It’s also a great option for drivers who change cars frequently and don’t want to call every time they get a new platform.
No matter the type of policy, all insurance companies in Washington allow you to purchase Uninsured Motorist coverage and Personal Injury Protection (PIP) and this is no different for broad-based auto insurance. You may be looking for cheap car insurance, but these are the covers that protect you and the people in your car.
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Physical Damage Coverage, aka Full Coverage or comprehensive and collision, isn’t available in broad form because the company doesn’t know what kind of car you’re driving. Obviously, they should charge more for a brand new Lexus than they would for an old Ford Escort, so everyone should get the Lexus price.
We offer comprehensive insurance to Washington state residents only. Some exclusions apply such as not covering cars used for business (this includes Uber, Lyft and food delivery) and any vehicle that would not normally be covered by personal insurance (U-Haul trucks for example).
Remember, if you are borrowing a vehicle, your coverage is always secondary. The owner is still legally responsible for anything you do, even though you have your own insurance.
Is probably your best option if you need SR-22 insurance but don’t have a car. It doesn’t matter if you had a DWI, DUI, Reckless or any other serious ticket, we can help you file your SR22 insurance with the DOL.
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Call our insurance professionals today at (509)783-5600 or click “Get a Broad-Form Quote” to request a quote on your insurance policy. At Mid-Columbia Insurance, our goal is to get you the coverage you want at a price you can afford!
You can secure your Washington state driver’s license by purchasing a Broadform Named Operator policy. It provides coverage for the policy holder while they drive both owned and non-owned private passenger cars for personal use.
Broad Form insurance is only valid when the policyholder is driving the car and is therefore not liable for any damages if anyone else is operating the vehicle. This reduced risk is why a comprehensive policy is usually cheaper than insuring a single car.
Broad-form auto insurance is designed to cover an insured while they operate a private passenger vehicle for personal use. It doesn’t matter if the car is owned or not.
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The coverage offered by a Broadform policy is “broad” compared to the much more common Named Non-Owner policy which has the same driver restriction as the Broadform. The difference is that the Named Non-Owner Policy does not cover any owned vehicle or any vehicle available for the regular use of the named insured. In other words, not only does the Named Non-Owner Policy not cover owned vehicles, it does not cover any car that you regularly borrow or that is parked at your residence.
Washington requires drivers to carry a minimum of 25/50/10 liability auto insurance. Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM) coverage may be declined. Collision and comprehensive coverage is not required by the state but may be required by your lender.
Broad-form insurance is regular auto liability insurance designed to cover the driver listed on the policy (and no others) when driving owned or non-owned vehicles.
Your BroadForm coverage would protect you if you were sued, but more likely it would be your parents, like the owner of the car,
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And not you that the lawyers will go after. If you are not on their policy, their insurance carrier would likely deny their claim, leaving them financially responsible for any and all damages incurred.
Some companies will insure you if your license is suspended and file the SR22, if necessary, to get your license back. Of the companies we represent, National General, Dairyland, Kemper Specialty and Bristol West offer coverage for high-risk drivers.Partner Content: This content was created by a Dow Jones business partner and researched and written independently by the editorial team. Links in this article may result in us earning a commission. Learn more
When your teen gets their learner’s permit, it’s worth thinking about how to protect them while they practice behind the wheel. Buying car insurance for someone who is still learning to drive can be expensive, but adding them to a family policy is a more affordable option.
In this article, we at the Guides Team will break down how driver’s license insurance works and average costs. We also studied the best auto insurance companies to help you make the right decision for your coverage needs.
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The Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers depend on us to provide objective and accurate information, we have created a comprehensive rating system to formulate our rankings of the best auto insurance companies. We collected data on dozens of auto insurance providers to rank the companies based on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with the insurers that earned the most points topping the list.
Most insurers will not sell drivers under 18 their own insurance. The cheapest and easiest solution is to add those with a learner’s permit or provisional driver’s license to a parent’s policy.
To do this, you can contact your car insurance company to add an additional driver to your existing policy. Teen drivers can be added to a family policy whether they share a family car or drive their own vehicle.
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We recommend that you compare car insurance quotes from a number of companies before adding a new driver with a learner’s permit. Some insurance providers offer unique discounts that can offset the high rates that come with being an inexperienced driver.
Young drivers pay high car insurance rates because they have little experience behind the wheel and insurers see them as serious risks. Teens with learner’s permits also don’t have established driving records or credit histories, which are typically important factors in setting car insurance costs.
According to Quadrant Information Services, the national average cost of comprehensive auto insurance for a 35-year-old driver with a good credit score and a clean driving record is $144 per month or $1,730 per year. As you can see in the table below, the average cost of full coverage for young drivers on their own car insurance is significantly higher, with 16-year-olds paying some of the highest premiums.
Auto coverage costs begin to decrease as drivers gain more experience. Young adults tend to find much cheaper car insurance rates after they reach the age of 25.
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Fortunately, many insurance companies offer discounts that cater to the youngest drivers on the road. If you add a learner’s permit to your auto policy, you may qualify for some of these
