Car insurance in the US
#1
Forum Regular
Thread Starter
Joined: Jan 2017
Posts: 72
Car insurance in the US
Hi all
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
#2
Re: Car insurance in the US
Hi all
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
I don't believe your credit history plays into your cost of auto insurance but the lack of driving history will. Also the ages of the drivers, the type of vehicles insured, the number of miles estimated you will drive per year, the amount of coverage you decide to carry and if you will have collision and comprehensive coverage, as well, the amount of deductible, where you live and where the auto is housed will all play a part in the amount you will be charged for auto insurance.
#3
BE Forum Addict
Joined: Aug 2013
Location: Athens GA
Posts: 2,133
Re: Car insurance in the US
Actually, that is a cheap price for New Jersey so she must have an older vehicle and no points on her license and/or accidents.
I don't believe your credit history plays into your cost of auto insurance but the lack of driving history will. Also the ages of the drivers, the type of vehicles insured, the number of miles estimated you will drive per year, the amount of coverage you decide to carry and if you will have collision and comprehensive coverage, as well, the amount of deductible, where you live and where the auto is housed will all play a part in the amount you will be charged for auto insurance.
I don't believe your credit history plays into your cost of auto insurance but the lack of driving history will. Also the ages of the drivers, the type of vehicles insured, the number of miles estimated you will drive per year, the amount of coverage you decide to carry and if you will have collision and comprehensive coverage, as well, the amount of deductible, where you live and where the auto is housed will all play a part in the amount you will be charged for auto insurance.
This means that anyone with no US credit history is likely to have a loaded premium.
Some here have reported some success in having companies take account of a UK no-claims history. I recall GEICO being mentioned as willing to take it into account. In the end the only solution is to shop around, but make sure that you compare like with like.
#4
Re: Car insurance in the US
I don't use einsurance and would never ever deal with Allstate for any type of insurance policy.
#5
BE Forum Addict
Joined: Aug 2013
Location: Athens GA
Posts: 2,133
Re: Car insurance in the US
OK, but it still explains the use of credit information for the setting of premiums which is why I referred to it.
Last edited by MidAtlantic; Sep 26th 2017 at 4:22 pm.
#6
Re: Car insurance in the US
Hi all
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
Loving the helpful advice I have received so far in the forum so am hoping someone can help me on a query on car insurance.....we move to NJ from the North of England in a month and have obtained our IDPs. Our immigration consultant has advised that car insurance is really expensive there - hers cost $1500 for the year - is this a common sort of price? We don't have credit history over there yet so could that make it more expensive?
Any advice really appreciated :-)
J
Edit: We had homeowners insurance through them and had to claim for damage due to Hurricane Sandy. No problem they said...get the work done and send us the bill. They didn't even send an assessor to inspect the damage.
Last edited by Jerseygirl; Sep 26th 2017 at 4:50 pm.
#7
Re: Car insurance in the US
i paid $2,400 for my first year, i'm in Texas though and everyone here drives like complete bum pirates
Insurers will look at your credit as MidAtlantic has said.
It will eventually drop as you build history. Try and find an insurer who will acknowledge your UK history, i wasn't so lucky to find one that did in Texas.
Insurers will look at your credit as MidAtlantic has said.
It will eventually drop as you build history. Try and find an insurer who will acknowledge your UK history, i wasn't so lucky to find one that did in Texas.
#8
Re: Car insurance in the US
It may take some shopping around as it is difficult to find out who take previous driving experience and not US driving history. I ended up going with American Family many years ago.
Many insurers will give multi-policy discounts, so may be beneficial to take out renters/home owners insurance with the same company.
You can check your auto insurance score here once you get an SSN
https://www.creditkarma.com/auto-insurance-score
You can compare rates and find insurance companies here
https://www.nerdwallet.com/insurance...nsurance-rates
Many insurers will give multi-policy discounts, so may be beneficial to take out renters/home owners insurance with the same company.
You can check your auto insurance score here once you get an SSN
https://www.creditkarma.com/auto-insurance-score
You can compare rates and find insurance companies here
https://www.nerdwallet.com/insurance...nsurance-rates
#9
BE Forum Addict
Joined: Sep 2010
Location: Maryland (via Belfast, Manchester, Toronto and London)
Posts: 4,802
Re: Car insurance in the US
Not even close. Michigan usually tops the list.
Top 10 Most Expensive States for Car Insurance: 2017 ยป AutoGuide.com News
#10
Just Joined
Joined: Mar 2017
Posts: 19
Re: Car insurance in the US
We just moved to Boston MA. We had insurance 10 years ago here with Geico. They have taken our no claims history and credit rating into consideration. The cost was around the 1500 mark.
#11
Forum Regular
Joined: Jul 2017
Posts: 79
Re: Car insurance in the US
Honestly if anything they should look at your driving history as a UK driver and say "Well, she's going to be safer than 95% of the idiots on our roads, so here's some cheap insurance."
#13
Forum Regular
Joined: Nov 2016
Location: Knoxville, TN
Posts: 189
Re: Car insurance in the US
Is it a state-specific thing? Because they wouldn't accept mine when I was shopping around a couple of weeks back, plus (separate issue) when I was looking immediately after arrival, before I'd done my TN test, they weren't interested in covering me temporarily on a UK license either. Or maybe I keep getting numpties on the phone?
That said, shopping around did pay off and I cut my premium by nearly 1/3 and improved my coverage too.
That said, shopping around did pay off and I cut my premium by nearly 1/3 and improved my coverage too.
#14
BE Enthusiast
Joined: Mar 2017
Posts: 315
Re: Car insurance in the US
I can second the NJM recommendation. They saved us a lot of money compared to any other quotes we got. We arrived in June and are paying just under 4K annually for 2 suvs with very comprehensive cover. I think had we not had access to NJM then the next best quote was somewhere between 500-800 more annually for them both.
#15
Re: Car insurance in the US
Is it a state-specific thing? Because they wouldn't accept mine when I was shopping around a couple of weeks back, plus (separate issue) when I was looking immediately after arrival, before I'd done my TN test, they weren't interested in covering me temporarily on a UK license either. Or maybe I keep getting numpties on the phone?
That said, shopping around did pay off and I cut my premium by nearly 1/3 and improved my coverage too.
That said, shopping around did pay off and I cut my premium by nearly 1/3 and improved my coverage too.
I keep saying this but getting AIG inbound USA for $450 is well worth it. One of the things they will do for you is shop around for insurances that will take your previous country no claims history. We saved that $450 on our first 6 months car insurance based on what I had been able to find myself. They will also sort out renters insurance, credit cards, mortgages.
They referred us to Liberty Mutual and it may well be that Liberty Mutual has a team hidden away somewhere that can handle foreign information. Ours was all in french too.