Can you help me figure out North Carolina's confusing driver's license rules?

I haven't had a license for a while and just moved to NC. I want to get a license and buy a new car. Since I don't have current insurance, they say I have a "fleet restriction" until I get my policy. What does that mean? Can I test-drive cars at the dealership?

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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“North Carolina does have very different rules than other states in regards to getting a driver’s license.
Since you don’t have an active insurance policy right now, having a “”fleet vehicles restriction”” is the state’s way of stopping you from driving around uninsured. This means that you can only drive vehicles from commercial vendors like car rental agencies, who will require you to purchase insurance from them.
Test-driving may be different since dealers usually have their own type of insurance for uninsured drivers. It would be a good idea to call a few dealerships and explain the situation; test-driving should be fine.
Once you find a car you like, get some car insurance quotes online. You will need a DL-123 to bring with you to the DMV to show your active policy.
Working with an insurance shopping app like Jerry will save you time and money. Jerry gets quotes from over 40 carriers and can email all the paperwork you need in minutes. “
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