I am moving to US on an H1B visa and am finding that auto insurance is incredibly expensive. I guess this is partly due to me not having been resident in the US - does anyone know of any insurance companies that are more favourable to foreigners?
Also I am looking at buying a car through International AutoSource, but this means ordering the car before I arrive in the US. Does anyone have experience of using this company? |
Originally posted by edwards_paulj I am moving to US on an H1B visa and am finding that auto insurance is incredibly expensive. I guess this is partly due to me not having been resident in the US - does anyone know of any insurance companies that are more favourable to foreigners? Also I am looking at buying a car through International AutoSource, but this means ordering the car before I arrive in the US. Does anyone have experience of using this company? It varies from state to state, but typically involves a written (multi-choice), a classroom session, and a road test which is farcically easy. I spent 6 minutes driving around a housing estate at 15-20 mph, did a three point turn, a parallel park, and then about three hundred yards along a main road before a right turn at traffic lights, and all done in an automatic. Where ever you live, try to book the road test in a remote rural area as there can be long waiting lists in major Cities - I faced three months all around the New York are, but 160 miles north I got a test the next week. I have also used Auto Source, and they are excellent, just watch out for the fact that you have to pay the sales tax up front at the point of delivery, in addition to the deposit. Let me know if you need more info! PS "Thar ain't no substitoot for coobs, boy!" (or otherwise "I bought myself a V8 Mustang!") |
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> > > > > > This varies based on geographic area. Auto insurance companies have different pricing schedules and policies in each state. You simply need to do what long-time United States residents do, shop around. |
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> > > if you are under 25, it's more likely due to your age. if you are not, it's probably because you have no US driving record the insurance company can check for accidents or driving violations. the location makes a big difference, too. some cities and states are VERY expensive for insurance --- it can even vary widely depending on what part of a city you live in. you need to shop around and call insurance agents after you arrive. if you can get a certified copy of your driving record from the licensing authority in the UK before you leave, bring it with you. > > > > i would advise you to wait until you arrive to purchase a car. no one in their right mind pays the price first asked by a dealer for a car, unless it's a saturn. dealers for every other make of car *expect* you to make a counter-offer lower than the price, and to haggle. then they will try to load on accessories you don't want, undercoating, protective coatings, and steer you to their finance package. that means you need to be prepared before you go car shopping --- you need to have financing lined up in advance (and if you're paying cash, DON'T let the dealer know that until you've agreed on a price for the car or you WILL pay more, because they're counting on getting a commission on the loan), and you need to be ready to be firm enough to stick to your guns when the salesman tries to get you to purchase things you *don't* want. finally, be prepared to walk out of the car dealership any time you don't like what they're trying to sell you. you'd be surprised at how hard they'll try to keep you from walking away from a sale, to the point that they might even try to meet YOUR terms instead of theirs. if you've never purchased a car before, take along a hard-boiled colleague from work who has purchased several, and who knows the tricks the slimeballs at the dealers use. it always helps to have a witness. finally, DON'T SIGN ANYTHING until you've read it ENTIRELY and you understand EVERYTHING it says and agree to it ALL. any verbal promises will NOT stand up in court, but you will be held to the written contract. if it looks fishy, or sounds too good to be true, put it off for a day by telling them you'll come back tomorrow after your attorney has reviewed it WHILE you have the contract in your hand. |
Dennis P Harris said:
> > > > i would advise you to wait until you arrive to purchase a car. ================================================== ========== Sorry Dennis, two things: (i) AutoSource is selling at close to dealer cost. It seems to be a scheme by Ford, GM, and Chrysler to grab a share of the immigrant market before they head off and buy a Japanaese or European car. I paid just $23,500 for a V8 Mustang with every extra, except the auto 'box and 1200W stereo. (ii) Auto Source gave me 0% credit terms. Have you tried to get credit with no credit history? Banks and finance companies don't want to know. A couple of other things, which are more subjective:- there is no reason to throw money away (which I don't believe is the case, see (i) , above), but cars here in the US are CHEAP. Cars that are sold both in the UK and the US invariably sell for the same number of pounds as dollars, currently a 43.5% mark-up on US prices. Anyone relocating to another a country has plenty to worry about, and organise, so having the car arranged for you is one thing that can be sorted out ahead of time. Check out the manufacturers web sites to find the cars you want, and what extras you want or need. Over all, having gone through the process of immigration within the last three months, and having used Auto Source, I would definitely recommend them to you. And try GEICO for insurance, they seem to be very competitive if you have no US driving record. [Edited by Pulaski on Jan 21st 2002 at 10:04pm] |
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