In many states, you can sign a "named driver exclusion" which will lower your premiums but which will exempt your son (or whomever) from coverage under your policy. Obviously, once you have signed the named driver exclusion, DO NOT let your son drive your car - - if he has an accident while driving, you are going to have serious problems.
So long as your Auto Insurance is still in force your policy still covers you. You should renew your license as soon as possible though as the Insurance company does check your drivers license and driving history regularly. Should the company find that you have allowed your license to expire, they may decide to cancel your policy or decline to renew your policy on the assumption that you no are no longer a licensed driver and therefore do not need Auto Insurance.
Easy, you just buy an auto insurance policy and exclude the other residents from coverage by use of form 515A. Be aware though that if any of these excluded drivers are involved in an accident while operating your vehicle, The accident and any resulting damage will not be covered under a policy from which they are excluded.
Yes you can buy insurance without a license or with a suspended license. Having auto insurance though should not be confused as providing you with permission to drive. Only your state licensing authority can give you permisssion to drive on public roads. If your license is suspended and depending on the reason for that suspension, you may find it necessary to obtain a more expensive high risk insurance policy. In many cases, depending on your circumstances, the Insurance agent you choose may even be able to advise you on how to regain your driving priviledges.
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