Buying a car in the US
#1
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 4
Buying a car in the US
Hi all,
Sorry i am sure that this has been covered a hundred times before, but i have just moved to Connecticut and am looking for advice on car buying. i have managed to secure financing for it, but my main query is around insurance. at the moment i have a UK license with AA issued International drivers permit. will insurance companies cover me without a domestic license, and if so will it mean i pay a ridiculous premium to cover the car??
all thoughts/experiences/recommendations for insurance companies gratefully received!
Sorry i am sure that this has been covered a hundred times before, but i have just moved to Connecticut and am looking for advice on car buying. i have managed to secure financing for it, but my main query is around insurance. at the moment i have a UK license with AA issued International drivers permit. will insurance companies cover me without a domestic license, and if so will it mean i pay a ridiculous premium to cover the car??
all thoughts/experiences/recommendations for insurance companies gratefully received!
#2
Rootbeeraholic
Joined: Aug 2009
Location: Houston, Tx
Posts: 2,280
Re: Buying a car in the US
Yes, they will cover you - at least some will. I know Geico will. It is expensive though and mainly because you have no US driving history. Your premiums may drop slightly when you get a US state issued license, but not by a massive amount.
Car insurance here is much more expensive than it is in the UK, at least IMO.
Car insurance here is much more expensive than it is in the UK, at least IMO.
#3
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 4
Re: Buying a car in the US
thanks Bink...i thought it might be more expensive...i guess when most other things are way cheaper than the UK we shouldnt complain too much! i saw some other thread about getting max coverage incase someone sues after an accident...what level of coverage do think is appropriate?
#4
Re: Buying a car in the US
Get chartis travelguard/AIG travel assist - $440 for the year, and they take your UK driving history into consideration. You will save more than the $440 in your first premium.
http://assist.travelguardworldwide.c...61_254926.html
http://assist.travelguardworldwide.c...61_254926.html
#5
Rootbeeraholic
Joined: Aug 2009
Location: Houston, Tx
Posts: 2,280
Re: Buying a car in the US
thanks Bink...i thought it might be more expensive...i guess when most other things are way cheaper than the UK we shouldnt complain too much! i saw some other thread about getting max coverage incase someone sues after an accident...what level of coverage do think is appropriate?
#6
Re: Buying a car in the US
I think we are about $600 every 6 months for 2 cars. Before getting the travelguard product we were being quoted $1600 to $2000 for 6 months.
#7
Re: Buying a car in the US
If you are now resident in CT, you should obtain a CT license within 30 days, so that will help when you make a purchase and obtain insurance. The UK license and international permit only works if you are a visitor.
#8
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 4
Re: Buying a car in the US
thanks Nutmegger...do you know if i am here under an L1 visa does that mean i qualify as a "visitor"? i guess to get my license i need to take the driving test? i have also been hearing about a compulsory 8 hour drink and drugs course too...do you know anything about that??
#9
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 4
Re: Buying a car in the US
Thanks Weeze...that sounds like a massive discount! i will definitely check them out as i have around 10 years no claims in the UK...
#10
Re: Buying a car in the US
thanks Nutmegger...do you know if i am here under an L1 visa does that mean i qualify as a "visitor"? i guess to get my license i need to take the driving test? i have also been hearing about a compulsory 8 hour drink and drugs course too...do you know anything about that??
#12
Re: Buying a car in the US
IDP means bugger all over here, unless you had the old paper license without a photo.
Get the local state license, it's easy and you don't exist till you have a license. Your insurance will go down by having one, only a little, but what will make it go down quicker is having US driving history and also building up US credit history.
For a newish car, with decent levels of cover, don't be scared of $1K per 6 months and be happy when you get a quote that's less.
If you get a beater, it'll be much lower, if you get state minimums it'll again be much lower.
Get the local state license, it's easy and you don't exist till you have a license. Your insurance will go down by having one, only a little, but what will make it go down quicker is having US driving history and also building up US credit history.
For a newish car, with decent levels of cover, don't be scared of $1K per 6 months and be happy when you get a quote that's less.
If you get a beater, it'll be much lower, if you get state minimums it'll again be much lower.