Primarily to make $$ by providing more of an information type service to car insurance shoppers.
Why is auto insurance so expensive?
Car insurance costs so much because of a combination of things; Auto insurance fraud, lobbying by the auto insurance industry, and only about 50% of drivers actually auto insurance coverage. Since only half of drivers on the road (licensed and not) actually pay for coverage, they have to compensate of all the uninsured. Lower your auto insurance.
Why is auto insurance so complicated?
Most of the confusion is related to either coverage limits or how different behavior will affect your auto insurance rates (i.e. DUI or traffic tickets).
Is insurance primarily on me or the car?
In most States, the insurance on the vehicle is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect you as a driver / owner.
Can I get auto insurance with a learner's permit?
Yes, a learners permit is permission to drive and so it's a temporary, restricted license. You can obtain your own insurance or you can be covered under another policy, but you must be insured. A drivers permit comes with all the responsibilities of anyone who drives a vehicle on public roads, including financial responsibility. Most likely you will be included on your parents policy, or you must be specifically excluded.
Can I buy non owner auto insurance?
You can purchase non-owner auto insurance from many insurance companies that issue non-standard policies, and a few national carriers. You may also try your State's assigned risk plan. You may also be able to get non auto car insurance through purchase of an umbrella policy. If you are self employed you may also be able to purchase a commercial liability policy with an option to add non-owned auto coverage.
Remember there are still minimum liability limits for each State.
