Car Insurance for New Arrivals
Dec 10th 2019, 11:10 am
#1
Forum Regular
Thread Starter
Joined: Nov 2018
Location: Las Vegas, USA
Posts: 42
Car Insurance for New Arrivals
Hi all,
apologies if there is already a thread somewhere about this but just wondering if anyone has any car insurance companies they’d recommend. I’ve been driving for 10 years with 10 years no claims in the U.K. but I believe that your foreign driving history doesn’t count for U.S. insurance companies so I’m anticipating being treated like a brand new driver. I’m going to get my U.S. license within the month I move over and am fortunate in that my husband has an old car that I can drive initially. Just wondering if anyone here was in a similar situation when they first moved and what insurance providers they went with and how much it cost etc. I’ve heard it initially costs an arm and a leg so at least if I have an idea in advance, hearing the figures when the time comes won’t be a complete shock!
Many thanks in advance!
apologies if there is already a thread somewhere about this but just wondering if anyone has any car insurance companies they’d recommend. I’ve been driving for 10 years with 10 years no claims in the U.K. but I believe that your foreign driving history doesn’t count for U.S. insurance companies so I’m anticipating being treated like a brand new driver. I’m going to get my U.S. license within the month I move over and am fortunate in that my husband has an old car that I can drive initially. Just wondering if anyone here was in a similar situation when they first moved and what insurance providers they went with and how much it cost etc. I’ve heard it initially costs an arm and a leg so at least if I have an idea in advance, hearing the figures when the time comes won’t be a complete shock!
Many thanks in advance!
Dec 10th 2019, 11:47 am
#2
Often not so civil...
Joined: Apr 2010
Location: The Boonies, GA
Posts: 9,561
Re: Car Insurance for New Arrivals
US insurance costs 'an arm and a leg' period simply because of the level of claims. Most people here couldn't drive a greasy stick up a hogs a**.
You're correct that your UK driving history won't be assessed.
I personally would go with local recommendations when you arrive since the industry here is highly variable by locality.
You're correct that your UK driving history won't be assessed.
I personally would go with local recommendations when you arrive since the industry here is highly variable by locality.
Dec 10th 2019, 2:01 pm
#5
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Car Insurance for New Arrivals
Hi all,
apologies if there is already a thread somewhere about this but just wondering if anyone has any car insurance companies they’d recommend. I’ve been driving for 10 years with 10 years no claims in the U.K. but I believe that your foreign driving history doesn’t count for U.S. insurance companies so I’m anticipating being treated like a brand new driver. I’m going to get my U.S. license within the month I move over and am fortunate in that my husband has an old car that I can drive initially. Just wondering if anyone here was in a similar situation when they first moved and what insurance providers they went with and how much it cost etc. I’ve heard it initially costs an arm and a leg so at least if I have an idea in advance, hearing the figures when the time comes won’t be a complete shock!
Many thanks in advance!
apologies if there is already a thread somewhere about this but just wondering if anyone has any car insurance companies they’d recommend. I’ve been driving for 10 years with 10 years no claims in the U.K. but I believe that your foreign driving history doesn’t count for U.S. insurance companies so I’m anticipating being treated like a brand new driver. I’m going to get my U.S. license within the month I move over and am fortunate in that my husband has an old car that I can drive initially. Just wondering if anyone here was in a similar situation when they first moved and what insurance providers they went with and how much it cost etc. I’ve heard it initially costs an arm and a leg so at least if I have an idea in advance, hearing the figures when the time comes won’t be a complete shock!
Many thanks in advance!
Dec 10th 2019, 3:34 pm
#6
Lost in BE Cyberspace
Joined: May 2010
Location: San Diego, California
Posts: 9,654
Re: Car Insurance for New Arrivals
When I moved over 20 years ago, my first insurance policy was $1,800 for 6 months.
Came down over the next two years quite quickly though.
Came down over the next two years quite quickly though.
Dec 10th 2019, 5:03 pm
#7
Forum Regular
Joined: Mar 2016
Posts: 119
Re: Car Insurance for New Arrivals
I had my TN driving test a couple of years ago. I took a right at out the test station, took a right at the lights after about 50m, drove 100m, took a u-turn and went back to the test center. I was out no longer than 5 mins.
When we were leaving the test center I was sitting behind a car. I put the handbrake on and popped it into neutral. The instructor laughed at me and said I don't need to worry about things like that!!!
When we were leaving the test center I was sitting behind a car. I put the handbrake on and popped it into neutral. The instructor laughed at me and said I don't need to worry about things like that!!!
Dec 10th 2019, 5:55 pm
#8
MODERATOR
Joined: Apr 2003
Location: Phoenix, Arizona
Posts: 58,679
Re: Car Insurance for New Arrivals
When we were leaving the test center I was sitting behind a car. I put the handbrake on and popped it into neutral. The instructor laughed at me and said I don't need to worry about things like that!!!
Rene
Dec 10th 2019, 9:22 pm
#10
Just Joined
Joined: Jul 2018
Posts: 15
Re: Car Insurance for New Arrivals
I got a good deal from Geico, maybe check them out
Dec 10th 2019, 9:26 pm
#11
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Car Insurance for New Arrivals
Again, the OP is going to be driving her husband's car. They should update his insurance to be in both their names (for everything -- homeowner's/renter's as well as auto), and when she gets her own car it will be added to that policy.
Dec 10th 2019, 10:22 pm
#12
Concierge
Joined: Apr 2001
Posts: 46,387
Re: Car Insurance for New Arrivals
Dec 11th 2019, 12:44 am
#13
BE Enthusiast
Joined: Jan 2017
Posts: 670
Re: Car Insurance for New Arrivals
Having recently insured for the first time I found best deal with liberty mutual, better than the competitors including Geico.
they can also enroll you in a 90days driving program, if you drive well, further discount, up to 30%
I got 25% extra off when that finished. Also got renters insurance with it, pretty comprehensive cover, still cheaper than the competitors. Might be worth a look, they seem newcomer friendly...
they can also enroll you in a 90days driving program, if you drive well, further discount, up to 30%
I got 25% extra off when that finished. Also got renters insurance with it, pretty comprehensive cover, still cheaper than the competitors. Might be worth a look, they seem newcomer friendly...
Dec 11th 2019, 1:59 am
#14
BE Forum Addict
Joined: Apr 2014
Location: Lauren's Co. SC by way of Palmetto, Florida
Posts: 3,265
Re: Car Insurance for New Arrivals
Apparently the 'safe driver endorsement' on my licence qualifies me for cheaper rates, not that you'd think they were.
Dec 11th 2019, 9:27 pm
#15
Forum Regular
Joined: Mar 2016
Posts: 119
Re: Car Insurance for New Arrivals
I still do it from time to time (at the annoyance of my wife lol) if I'm in a car where the doors unlock when it goes into park, and I need to scratch my foot at the lights!
Last edited by Aquapanther; Dec 11th 2019 at 9:30 pm.