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Can You Insure a Vehicle if You Only Have a Learner’s Permit?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/26/2012

Having a learner’s permit makes insuring a vehicle hard, but not impossible.

Q: I am planning on purchasing a car and financing it. I only have a learner’s permit right now, is there any insurance company that will provide insurance on it?

For this situation, you could possibly be able to find insurance for your vehicle. The finance company is only going to require that you have comprehensive and collision coverage on the car as part of your financing requirements. If these are the only coverages you are going to have on the vehicle until you get your driver’s license, you can’t legally drive the vehicle anyway, so the insurance company may be more willing to insure you.

To do this, you will have to talk directly to insurance agents and companies to explain the situation with the learner’s permit and see what you can work out.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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