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    Thread: Car insurance


    1. #1
      archingal

      Car insurance

      Hi all,

      My husband has a car through work, and has been here a couple of months longer than I have so has a SS number and a bank account.

      I arrived a couple of weeks ago with our kids, and am finding life quite hard without a car. We realise we will have to buy a car with cash as we have no credit history. We are looking at a 2005 - 2007 4x4 as we are in RI and there's a lot of snow and the prices are between $6-9000.

      I called amica insurance as we were told they would take UK license holders, and they quoted $2600 for a year which is outrageous. They said that if we get our US licenses before getting the car the price would drop to $1788. I still think that's way too much as we found the average car insurance cost is around 800 - 1200 (I may be wrong). They based the quote on a 2005 Chevrolet trailblazer for $6500 - it is basically an old car!

      Is there a way of doing this cheaper as an immigrant? Please give your experiences and companies you would recommend. I have loads of other questions as a newbie I'll probably be asking soon too.

      Thanks

    2. Moneycorp - Commercial foreign exchange since 1979
    3. #2

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      Hi and welcome

      As you have found out insurance costs are really high in the USA. There are lots of factors to take into account so it's hard to give a figure. The best thing you can do is ring around A LOT of companies, perhaps even speak to a local insurance broker. Make sure you are comparing like for like cover as it's not as simple as in the UK, there is no such thing as fully comp etc. Make sure the cover you are offered is decent, state minimums are too low so don't rely on those. It's quite often the case that older cars cost more to insure too, mad I know! In some cases the insurance is also based on the number of people in the house are driving age, so if you have children aged 15+ that will make a difference. Also double check how long the insurance is for, yearly insurance isn't common here, it's usually 6 months at a time.

      You cannot compare yourself with USC, you will be treated as a 16yr old who has just passed their test as you have no US driving history. Look into the company you already have home insurance with as quite often they will give you a discount for having more than one type of policy with them.

      We have our insurance through 21st Century Insurance, but we bought into it before we moved over to the US through an Expat programme who offers good discounts, sorry no help for you now but it might be for someone else reading this.

      Feel free to ask any other questions, although I am fairly new here myself (16.5months in the USA).