Can I get car insurance in Il without a social security number
#16
Re: Can I get car insurance in Il without a social security number
Do you need an International Drinving Permit? It depends.
Technically for many things you don't. But get one anyway because some places / people will insist that you DO need it, and it is far less hassle to get one and flash it than try battling against their opinions.
FYI....I did what you are doing last year, though not in IL. Off the plane, bought a car with cash. No need for a SS number, just a valid license. That is, what the garage deemed was a valid license in the state. They took a UK license with the International permit.
Then wait a few days for a SS number, drive to DMV and get a learner's permit. Get used to the car, then take test in it.
Insurance? Used Allstate, who were happy to accept a letter I brought from UK showing driving history etc. to drive down the premium. Also, that Allstate office required the International permit. As far as they were concerned I had a valid license, even if it wasn't a US one. (Timing as to how long that works is state specific)
So, job done. International permit might not have been needed but it came in handy and for a few quid it removed an awful lot of potential hassle.
Technically for many things you don't. But get one anyway because some places / people will insist that you DO need it, and it is far less hassle to get one and flash it than try battling against their opinions.
FYI....I did what you are doing last year, though not in IL. Off the plane, bought a car with cash. No need for a SS number, just a valid license. That is, what the garage deemed was a valid license in the state. They took a UK license with the International permit.
Then wait a few days for a SS number, drive to DMV and get a learner's permit. Get used to the car, then take test in it.
Insurance? Used Allstate, who were happy to accept a letter I brought from UK showing driving history etc. to drive down the premium. Also, that Allstate office required the International permit. As far as they were concerned I had a valid license, even if it wasn't a US one. (Timing as to how long that works is state specific)
So, job done. International permit might not have been needed but it came in handy and for a few quid it removed an awful lot of potential hassle.
#17
Just Joined
Joined: Dec 2009
Location: PA
Posts: 24
Re: Can I get car insurance in Il without a social security number
I don't think I said it was a pre-requisite, but rather in my experience at an agency most were only accepted with an international license.... I believe most insurance companies domiciled in the US, have affiliations in Canada, Mexico etc. I knew a couple who had a french license and to the insurance underwriters it was processed and reviewed as an international license. I guess international license can have a number of variations in the insurance industries eyes.
Most insurance agencies have a tiered rating based on driving history, age and a lot of time credit. If you go into an Insurance Agency and have a non US (and some surrounding areas i.e. Canada, Virgin Islands etc.) It is likely that you will be placed in the lowest tier (and therefore highest price) until you obtain a US license.
(I guess I should put a disclaimer that this is just in my experience and also there are many considerations and discounts available i.e. documentation of driving history)
Most insurance agencies have a tiered rating based on driving history, age and a lot of time credit. If you go into an Insurance Agency and have a non US (and some surrounding areas i.e. Canada, Virgin Islands etc.) It is likely that you will be placed in the lowest tier (and therefore highest price) until you obtain a US license.
(I guess I should put a disclaimer that this is just in my experience and also there are many considerations and discounts available i.e. documentation of driving history)
#18
Re: Can I get car insurance in Il without a social security number
Or if it is the old style paper one without the photo...then it can be worth getting.
#19
Just Joined
Joined: Nov 2009
Posts: 7
Re: Can I get car insurance in Il without a social security number
Hi all,
New here - have read some previous threads re this issue but don't appear to answer my query. My wife and I will be moving over to Chicago from the UK in the new year, and I've realised that upon arrival I will need to wait approx 10 days before applying for my ss number.
I had intended to arrive and
(1) try and buy a car (cash if pos) and have had confirmation from a few dealers that I can buy a car without a ss number as long as I would be paying cash and not financing the vehicle.
(2) rent a house - still not sure if a ss number is required for this, but from what I've read a larger security deposit may negate the need for a ss number (given we have no credit history anyway).
So, given that with (1) I will be able to buy the vehicle, are there any insurers who will provide insurance without a ss number? anybody had any experience with this in Il?
And with (2) - any further advice?
Many thanks,
Dean
New here - have read some previous threads re this issue but don't appear to answer my query. My wife and I will be moving over to Chicago from the UK in the new year, and I've realised that upon arrival I will need to wait approx 10 days before applying for my ss number.
I had intended to arrive and
(1) try and buy a car (cash if pos) and have had confirmation from a few dealers that I can buy a car without a ss number as long as I would be paying cash and not financing the vehicle.
(2) rent a house - still not sure if a ss number is required for this, but from what I've read a larger security deposit may negate the need for a ss number (given we have no credit history anyway).
So, given that with (1) I will be able to buy the vehicle, are there any insurers who will provide insurance without a ss number? anybody had any experience with this in Il?
And with (2) - any further advice?
Many thanks,
Dean
You'll want to double check this (see if you can get a copy of the Illinois Rules of the Road from somewhere - I dont know if its available online) as, like I said this was a dozen years ago and I know that some of the ss# rules have changed in that time. My advice would be to rent for a few weeks/months, if you can afford it, you"ll have enough going without trying to figure that out too. We were fortunate and my husbands company let us 'rent' a car from them to buy us time to get organized - if you could negotiate something like this it'll definately take the pressure off.
As for housing - make sure you get advice on neighborhoods, if you can, work with a realtor. We live in the burbs but could help with some general advice if you need it.
Oh, and dont forget winter lasts until April in Chicago - dont forget your woollies !!
#20
Re: Can I get car insurance in Il without a social security number
You normally need permission from the rental company to take the test in their car.
#21
Re: Can I get car insurance in Il without a social security number
Hint: don't ignore the parts about teenage drivers. They might not apply to you but they WILL be in the test.
#22
BE Forum Addict
Joined: Feb 2008
Posts: 3,259
Re: Can I get car insurance in Il without a social security number
Correct - however this fact does seem to be lost on some insurance companies, as it sometimes does make a difference (going by responses on here), even though it shouldn't.
#23
BE Forum Addict
Joined: Feb 2008
Posts: 3,259
Re: Can I get car insurance in Il without a social security number
A lot of rental companies quote prices without insurance, even though it's the law that you must have insurance to drive it off their property. Some credit cards cover you if you buy the rental with the card, and some US insurers insure you for driving a rental car. So some renters don't even ask if you want the insurance. They may ask if you want a damage waiver of some kind - this is not insurance.
When I moved over I rented a car for 18 days, got the insurance, got an itemised bill to prove it was insured. The registration is somewhere in the car, so I had both registration and insurance documentation to produce at the driving test.
#24
Re: Can I get car insurance in Il without a social security number
Another thing, check the insurance is valid for the purpose of taking a test with, as sometimes it might not be, especially if it's the standard one you've gotten from the rental.
#25
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Joined: Oct 2004
Location: The People's Republic of Evanstion, IL
Posts: 332
Re: Can I get car insurance in Il without a social security number
They're here: http://www.cyberdriveillinois.com/pu...oad/rrtoc.html
Hint: don't ignore the parts about teenage drivers. They might not apply to you but they WILL be in the test.
Hint: don't ignore the parts about teenage drivers. They might not apply to you but they WILL be in the test.
Illinois DMV will let you take the test in a rental but make sure the VIN matches with the insurance documents
#26
Account Closed
Joined: Jul 2009
Posts: 75
Re: Can I get car insurance in Il without a social security number
Me and my husband are currently in negotiations as to who is taking our daughter for her permit and I'm currently losing - I hate it - I always get Mr Newbie who thinks I'm a terrorist in rural PA, looks over the paperwork as if it's written in another language, goes for his supervisor etc etc. Give me the dentist any day.
#27
Just Joined
Thread Starter
Joined: Dec 2009
Posts: 8
Re: Can I get car insurance in Il without a social security number
Thanks for all the great advice all. really helpful.