How am I supposed to get sr22 insurance if I don't own a car?

Question

I was just allowed to get a restricted driving permit and the first thing i am supposed to do is get sr22 insurance before I do anything else but I don't own a vehicle. Is it still possible to obtain insurance without a vehicle. I don't even think I can buy a vehicle without having a valid driver's license. I don't know.

Answer 1

You are required to have SR22 insurance if you want to be able to reinstate your driver's license after getting a DUI or are convicted of some other offense.  It has nothing to do with whether or not you have a car like regular auto insurance.  If you want a license, you get SR22 insurance, even if you don't have a car. You could buy a car from a private seller that doesnt need to be financed.

You will probably need to find a vehicle immediately or get a non owner SR22 policy. You should contact an insurance company and have them answer any questions you might have.

Answer 2

If you live with your parents, they have to call their insurance company and add you as a driver & add the SR22.  This will cause their insurance to go way up (if their company even keeps them since you would have had to have had a major violation to need an SR22).  If they are already with a company like Progressive, they will not be cancelled.

If you live alone or with someone that does NOT own a vehicle, then you can purchase a nonowners policy and have the SR22 added.  A nonowners policy is usually just as expensive as if you had a car with liability only coverage.

For clarification, an SR22 is NOT insurance.  It is a certificate attached to an auto insurance policy that is issued to the requesting state to show proof that you have insurance.  If the insurance is cancelled, the insurance company will issue an SR26 showing the state the cancelled policy.

You can buy/own a vehicle without a license.  I insure someone who bought her vehicle before she got her license, she just put her parents as drivers on the policy.  I also insure many elderly people who still own cars but gave up their licenses, they just add their children as drivers as they are the ones that drive them around.

Answer 3

Yea i think you need to get the sR22 no matter if you drive or not... get'er done!

best wishes, and stop breaking the driving laws Dork!

J/kl peace.

Answer 4

buy a car get insurance only think you need to buy a car is money.. i brought my first car when i was 14 when i was 16 i had 10 old trucks and two old cars..... i painted them and work on the motors and sold them and brought a 67 mustang  it was sweet

Answer 5

No car, no need for insurance. Besides, you insure the CAR, not you...

Answer 6

based upon your condition,I think you should find something useful here.http://car-insurance.online-tips.info/ca...