British Expats

British Expats (https://britishexpats.com/forum/)
-   USA (https://britishexpats.com/forum/usa-57/)
-   -   Auto insurance without US drivers license (https://britishexpats.com/forum/usa-57/auto-insurance-without-us-drivers-license-368142/)

HilaryAC Apr 18th 2006 12:05 am

Auto insurance without US drivers license
 
We are looking to buy a car in Maine, we need it before we have time to take the drivers test and obtain a license as we are in the process of relocating.
We have SS numbers and citizenship, but have not been insured here (all our insurance history is in the UK). Is it possible to obtain insurance for a car without a US drivers license? We will obtain one eventually, just that in the interim we will need insurance to drive. It seems that a few places we have tried for insurance quotes so far have refused us because we have UK licenses. Bit of a predicament. Useful advice appreciated, thanks!

AdobePinon Apr 18th 2006 12:08 am

Re: Auto insurance without US drivers license
 
Yes, but don't know who. It'll likely be very expensive. :(

Welcome to the forum, BTW. :)

dbj1000 Apr 18th 2006 1:47 am

Re: Auto insurance without US drivers license
 

Originally Posted by HilaryAC
We are looking to buy a car in Maine, we need it before we have time to take the drivers test and obtain a license as we are in the process of relocating.
We have SS numbers and citizenship, but have not been insured here (all our insurance history is in the UK). Is it possible to obtain insurance for a car without a US drivers license? We will obtain one eventually, just that in the interim we will need insurance to drive. It seems that a few places we have tried for insurance quotes so far have refused us because we have UK licenses. Bit of a predicament. Useful advice appreciated, thanks!

We insured two cars through Progressive when we were still driving on our UK licenses.

Horribly expensive - I seem to remember it was $3000 for 6 months for two cars - but at least they agreed to insure us!

Rompers Apr 18th 2006 1:48 am

Re: Auto insurance without US drivers license
 
We had no problems obtaining insurance without a US drivers license through State Farm.

We did not get any credit for UK no claims, but his was not an issue as Mrs Romper's awful driving meant we didn't have much of a no claims record to bring over. :(

edited to add it was nowhere near as expensive as $3000.

rubixtious Apr 18th 2006 1:48 am

Re: Auto insurance without US drivers license
 

Originally Posted by HilaryAC
We are looking to buy a car in Maine, we need it before we have time to take the drivers test and obtain a license as we are in the process of relocating.
We have SS numbers and citizenship, but have not been insured here (all our insurance history is in the UK). Is it possible to obtain insurance for a car without a US drivers license? We will obtain one eventually, just that in the interim we will need insurance to drive. It seems that a few places we have tried for insurance quotes so far have refused us because we have UK licenses. Bit of a predicament. Useful advice appreciated, thanks!


https://www.aig-is.com/html/inbound_main.html

They charge a one year membership fee of $400 but you will EASILY recover that with what you will save with their insurance quote. My personal example....

$1400 6 months from progressive ( i shopped around and they were the cheapest)

$793 6 months from AIG

they can provide you with car insurance quotes prior to joining.

Apart from car insurance they provide a bunch of other services including getting you a high limit credit card to help you along the credit road. You also do not need to maintain the yearly membership fee to continue with insurance/credit card. They are great and wish someone told me about them when i got here first.

magilla442 Apr 18th 2006 3:41 am

Re: Auto insurance without US drivers license
 
i keep looking but not having any joy either! quotes are mental:

geico - $2600 for 6 mths
progressive - $2200 for 6 mths

they are the best ones so far, and i am only trying to insure a little saturn!

what makes it worse in NC is that i cant get the licence without insurance but cant get reasonable insurance without the licence! :scared:

any ideas?

fatbrit Apr 18th 2006 3:52 am

Re: Auto insurance without US drivers license
 

Originally Posted by magilla442
i keep looking but not having any joy either! quotes are mental:

geico - $2600 for 6 mths
progressive - $2200 for 6 mths

they are the best ones so far, and i am only trying to insure a little saturn!

what makes it worse in NC is that i cant get the licence without insurance but cant get reasonable insurance without the licence! :scared:

any ideas?


You could always take the insurance, get the license, then change insurance company. They will refund any overpay.

dragonfly Apr 18th 2006 3:58 am

Re: Auto insurance without US drivers license
 
We used progressive when we first arrived here they were expensive around $2000 for 6 months then once we obtained our us licenses we insured both our lease cars with travelers insurance we now pay $145 per month around $1700 per year :D

Bob Apr 18th 2006 4:24 am

Re: Auto insurance without US drivers license
 
You can use your UK license for 12 months in Maine, so showing that shouldn't be a problem for getting insurance, but if you don't have any US drivers history, ditch all the major players because they'll give you a shite rate in this state, and insurance is high due to the huge amount of money paid out in moose/deer crashes which usually end up in right-offs.

Check out Concord Group Insurance- http://www.concordgroupinsurance.com/me.htm

Bob Apr 18th 2006 4:30 am

Re: Auto insurance without US drivers license
 

Originally Posted by rubixtious
$1400 6 months from progressive ( i shopped around and they were the cheapest)

$793 6 months from AIG

What you pay for AIG, Concord were able to cover us for a year, whilst all the major players were quoting $700-900 for 6 months because of a new US license and also sod all credit history.

rubixtious Apr 18th 2006 11:42 am

Re: Auto insurance without US drivers license
 

Originally Posted by Bob
What you pay for AIG, Concord were able to cover us for a year, whilst all the major players were quoting $700-900 for 6 months because of a new US license and also sod all credit history.


Do concord insure you on a UK drivers license? I always found that if a company did insure on a foreign license, they charged a premium. Also the actual vehicle insured is a factor, in my case a hyundai santa fe 3.5l v6.

Anyway, i will shop around again when i have 700+ FICO, US license and about a years driving record ;)

TRPardoe Apr 18th 2006 2:52 pm

Re: Auto insurance without US drivers license
 

Originally Posted by HilaryAC
We are looking to buy a car in Maine, we need it before we have time to take the drivers test and obtain a license as we are in the process of relocating.
We have SS numbers and citizenship, but have not been insured here (all our insurance history is in the UK). Is it possible to obtain insurance for a car without a US drivers license? We will obtain one eventually, just that in the interim we will need insurance to drive. It seems that a few places we have tried for insurance quotes so far have refused us because we have UK licenses. Bit of a predicament. Useful advice appreciated, thanks!

One of my Brit customers, who has a temporary FL driving permit, just bought an F-150 and got it insured through GEICO online. They have a local address, and an SSN but not citizenship and have a business here.

Try GEICO.

jumping doris Apr 18th 2006 9:03 pm

Re: Auto insurance without US drivers license
 

Originally Posted by HilaryAC
We are looking to buy a car in Maine, we need it before we have time to take the drivers test and obtain a license as we are in the process of relocating.
We have SS numbers and citizenship, but have not been insured here (all our insurance history is in the UK). Is it possible to obtain insurance for a car without a US drivers license? We will obtain one eventually, just that in the interim we will need insurance to drive. It seems that a few places we have tried for insurance quotes so far have refused us because we have UK licenses. Bit of a predicament. Useful advice appreciated, thanks!

Hi
$900 per year for 2 cars with AIG. We don't have US drivers licences and we didn't have ss numbers when we bought the insurance.

Bob Apr 18th 2006 9:23 pm

Re: Auto insurance without US drivers license
 

Originally Posted by rubixtious
Do concord insure you on a UK drivers license? I always found that if a company did insure on a foreign license, they charged a premium. Also the actual vehicle insured is a factor, in my case a hyundai santa fe 3.5l v6.

Anyway, i will shop around again when i have 700+ FICO, US license and about a years driving record ;)

Concord do, they insured me before I got a license, but it was a bit of an effort...and they only deal in the NE area....as for driving experience, it'll go down once you have 3 years US history...but this place took having no history to being a clean history based on UK license, well it's still a bit high, but it's in the middle price band and will go down after a few years clean driving over here.

Rushman Apr 19th 2006 2:32 am

Re: Auto insurance without US drivers license
 
When Mrs.R added me to her policy after i got my NY state licence our premium went down by $1.

Lovely jubbly.


All times are GMT. The time now is 7:49 pm.

Powered by vBulletin: ©2000 - 2018, Jelsoft Enterprises Ltd.
© 1999-2010 BritishExpats.com