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Car insurance

Old Jul 24th 2023, 1:34 pm
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Default Car insurance

Does anyone have any recommendations for car insurance? We are getting v high quotes of over $300 a month on one car (a VW Atlas). Is this simply because I wouldn’t have held a US license for long? Does it come down drastically after a year as it does in the UK if you get a year of no claims? Interested to hear other experiences or recommendations for companies to try / comparison websites
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Old Jul 24th 2023, 2:34 pm
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Default Re: Car insurance

Originally Posted by mum2mom23
Does anyone have any recommendations for car insurance? We are getting v high quotes of over $300 a month on one car (a VW Atlas). Is this simply because I wouldn’t have held a US license for long? Does it come down drastically after a year as it does in the UK if you get a year of no claims? Interested to hear other experiences or recommendations for companies to try / comparison websites
Try Geico. They are usually one of most cost effective options for new arrivals. US car insurance is a lot higher than the UK, too many people suing each other. The first year is really bad because as you state you have no history. It will improve in the second year and usually become normal (for the US) by the third year. You should probably expect to be paying in the region of $800 to $1,000 a year for a car like that by the 3rd year give or take depending upon your age, address and risk factors. I am pretty sure Geico will be able to beat your current $3,600 quote.

Your US credit history plays a significant role in determining your risk to the car insurance companies, and there is little you can do to improve that quickly. A poor credit score will typically increase your premium up to 75%, and unfortunately by default you arrive with a poor score. But be sure to do everything you can to build a good credit score because that will help over time.

Last edited by Glasgow Girl; Jul 24th 2023 at 2:38 pm.
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Old Jul 24th 2023, 2:39 pm
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Default Re: Car insurance

I would also recommend your try Farm Bureau Insurance. You do not need to be involved with agriculture to have coverage.
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Old Jul 24th 2023, 2:49 pm
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Default Re: Car insurance

Whatever you decide re insurance, make sure that the insurance coverage is adequate - it is common for minimum insurance levels (set by state, not federal, regulation) to be significantly below what is reasonable today, and can leave you exposed to be sued if you have apparent wealth, and that is where cheap insurance policies save money to make the premiums lower. So, $25k of injury coverage and $50k of thirdparty property damage may be OK if you're a student, but those numbers are inadequate if you have savings/ assets worth suing for if you were to hit a couple of $100,000 cars. ..... Insurance's primary purpose is to protect your assets!
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Old Jul 24th 2023, 4:01 pm
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Default Re: Car insurance

Originally Posted by mum2mom23
Does anyone have any recommendations for car insurance? We are getting v high quotes of over $300 a month on one car (a VW Atlas). Is this simply because I wouldn’t have held a US license for long? Does it come down drastically after a year as it does in the UK if you get a year of no claims? Interested to hear other experiences or recommendations for companies to try / comparison websites
OP, with one accident ding on me, our 2021 and 2022 MB GLE350 and E350 (drivers both 35+) cost ~1600/per six months, so 3200 a year.
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Old Jul 24th 2023, 4:31 pm
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Default Re: Car insurance

Originally Posted by mum2mom23
Does anyone have any recommendations for car insurance? We are getting v high quotes of over $300 a month on one car (a VW Atlas). Is this simply because I wouldn’t have held a US license for long? Does it come down drastically after a year as it does in the UK if you get a year of no claims? Interested to hear other experiences or recommendations for companies to try / comparison websites
What state will you be living in?
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Old Jul 24th 2023, 4:34 pm
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Default Re: Car insurance

That actually seems pretty cheap to me! Our cheapest quote (also a VW Atlas) was with Progressive if that helps.
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Old Jul 24th 2023, 4:46 pm
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Default Re: Car insurance

Anyone living in NJ…if the company you work for are members of NJ Manufacturers…go for it.
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Old Jul 24th 2023, 4:56 pm
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Default Re: Car insurance

Originally Posted by mum2mom23
Does anyone have any recommendations for car insurance? We are getting v high quotes of over $300 a month on one car (a VW Atlas). Is this simply because I wouldn’t have held a US license for long? Does it come down drastically after a year as it does in the UK if you get a year of no claims? Interested to hear other experiences or recommendations for companies to try / comparison websites
Yes, it's because you have no current US driving history, and it will come down after a year or so.
When I first arrived, even though had driven for 30 years, was treated like a newby.......
Geico is a good company, as is Progressive.
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Old Jul 24th 2023, 5:05 pm
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Default Re: Car insurance

Originally Posted by Jerseygirl
What state will you be living in?
We will be in Connecticut
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Old Jul 24th 2023, 5:07 pm
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Default Re: Car insurance

Originally Posted by Pulaski
Whatever you decide re insurance, make sure that the insurance coverage is adequate - it is common for minimum insurance levels (set by state, not federal, regulation) to be significantly below what is reasonable today, and can leave you exposed to be sued if you have apparent wealth, and that is where cheap insurance policies save money to make the premiums lower. So, $25k of injury coverage and $50k of thirdparty property damage may be OK if you're a student, but those numbers are inadequate if you have savings/ assets worth suing for if you were to hit a couple of $100,000 cars. ..... Insurance's primary purpose is to protect your assets!
Interesting point, as we did see a drop of about 50% if we went for $25,000 of coverage for those things. Sounds like that’s not the best thing to do
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Old Jul 24th 2023, 5:08 pm
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Default Re: Car insurance

Originally Posted by PetrifiedExPat
OP, with one accident ding on me, our 2021 and 2022 MB GLE350 and E350 (drivers both 35+) cost ~1600/per six months, so 3200 a year.
Did you find you got a multi car discount? Has anyone had reduced premiums if they combine with home insurance. State Farm are offering that but yet to be seen what the actual quote is!
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Old Jul 24th 2023, 5:10 pm
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Default Re: Car insurance

They all offer discounts for extra cars, home, basically for anything else you insure with them.

Increasing your deductible will drop the premium. The deductible is the amount you will pay for a claim before the insurance company contributes. There is usually a sweet spot where the drop in premium is worth the extra risk. Our deductible is $1,000 and saves us about $300 annually. 3 years of no claims and we break even, more and we are well ahead (and we are).

Last edited by Glasgow Girl; Jul 24th 2023 at 5:14 pm.
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Old Jul 24th 2023, 5:25 pm
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Default Re: Car insurance

Originally Posted by mum2mom23
Did you find you got a multi car discount? Has anyone had reduced premiums if they combine with home insurance. State Farm are offering that but yet to be seen what the actual quote is!
Multicar exists, and anything helps...BUT, combining with home owners insurance helps a lot.

My ding (from 2020) is starting to fall off the premiums, so I expect more reductions over the next few years.
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Old Jul 24th 2023, 5:33 pm
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Default Re: Car insurance

Originally Posted by Glasgow Girl
.... Increasing your deductible will drop the premium. The deductible is the amount you will pay for a claim before the insurance company contributes. There is usually a sweet spot where the drop in premium is worth the extra risk. ....
This works for home insurance too - we have bumped up our deductible on our home insurance, which reduces the liklihood of us claiming, We have paid for probably half a dozen windscreens (NC doesn't mandate wndscreen coverage, some states do), over 20 years (mostly in the first few years, probably due to local roadworks) becuase a windscreen costs less than the deductible, but we have saved considerably more in insurance premiums.

We have also had three potential claims on our home insurance, but they were around or below the deductible level - the most recent was when a mature pine tree (80ft tall, about 15" diameter) fell on the roof It fell slowly because it was tangled in other trees, and its roots were pulling out of the ground. It only touched one point, where the stump of a broken-off branch landed right on the ridge and punctured it. I called the arborist that I call when I need a tree removed, and I described the problem for him, and that I just need the tree removed from the roof and onto the ground, I would cut it up and dispose of it myself. He showed up with his team, a crane and a bucket truck (cherry picker), and the first thing he asked was "Is this an insurance job?". I told him it wasn't and he said it would be $800. I then called the roofing contractor I usually use. He showed up in his truck, with a ladder and a couple of shingles and some nails in his pocket. He climbed up on the roof, removed the damaged ridge shingles, replaced them with new ones. When he got down he said the cost was $50 (yes, fifty). I gave him $100 because I felt bad for paying him so little. ..... So the out of pocket cost of having a tree fall on the roof was $900. Our deductible is $1,000.
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