Only because you can get away with liability only on an older vehicle, which reduces your cost.
Taking an accident prevention course is a good idea to lower premiums.
If you permitted a friend to drive your car and he totaled it but his insurance company subtracted 500 from the check for the deductible why do you pay for his deductible?
Because this was an at-fault incident, the 500.00 deductible is your responsibility.
Insurance quotes can be received by anyone from any number of different companies.
I would recommend going to an independent insurance broker, there are a number of these on the web who can provide advice and quotes for contractors who work in the USA as well as worldwide.
Sure, it is not illegal to own a car without a licence and therefore is not illegal to insure a car without a licence…but it is still illegal to drive it.
You can dispute an auto accident bodily injury claim.