Can I Get Auto Insurance Without Social Security Number?
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The answer to the question is quite simply-Yes, you certainly can get auto insurance without social security number at some insurers, while there are others who require an US driver’s license which depending upon state laws and regulations of the state in which you live in, may require accompanying Social Security Number to obtain such license.
On some insurance website’s, Social Security Numbers are an optional extra, during the insurance purchase process with some carriers and essential with others. Should you not be in possession of a social security number and it be a pre-requisite for coverage, you can feel free to call the insurance company in question’s customer service center as they will surely be able to assist you with purchasing a policy.
It’s of utmost importance to keep in mind that every state has its own rules, regulations and laws pertaining to the requirements for obtaining a drivers license as well as insurance coverage. It’s thus recommended that you contact your local driver’s license office to enquire what you State’s requirements are, should you not already have an US license or insurance coverage.
In the olden days the Social Security Administration use to provide Social Security Numbers to allow individuals to obtain drivers licenses. Unfortunately, they can no longer assign Social Security Numbers to non-citizens for the solely purpose of obtaining insurance coverage or a driver’s license.
Another important consideration when it comes to insurance coverage apart from obtaining auto insurance without social security number is the use of credit scores for coverage rating. Bottom line to this often controversial consideration is the fact that insurance companies have been unable to find a better indicator of risk other than the use of simple credit-based insurance score in conjunction with other factors affecting auto insurance premium. If you think it over, the use of credit scores for coverage ratings are definitely no less controversial than the use of gender or marital status as determining factor for monthly premiums as well as excesses.
Above mentioned factors have in recent years come under very close public scrutiny as being biased and a means of profiling. What most lay persons don’t realize is that insurance companies are merely trying to assign a rate to a specific risk group. They try hard to divide risks and help the group by having all contributors pay exactly the same share.
If you require coverage imminently you should be able to organize policy commencement as soon as a US driver’s license is obtained within 30 day period, should you not already be in possession of one.
Can I get auto insurance without social security number ? All your insurance questions answered including how to do necessary changes of policies .
