Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Car Insurance for non-US citizen

Car Insurance for non-US citizen

Old Sep 23rd 2012, 9:24 am
  #1  
Just Joined
Thread Starter
 
Joined: Sep 2012
Posts: 1
SBHQ is an unknown quantity at this point
Default Car Insurance for non-US citizen

I'm going to be heading to the states for two months and want to buy/sell a car there to get around.

Firstly is this even allowed, and secondly what is the situation with insurance?
SBHQ is offline  
Old Sep 23rd 2012, 1:22 pm
  #2  
Account Closed
 
Joined: Aug 2002
Location: Kentucky
Posts: 38,867
ian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond reputeian-mstm has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

Originally Posted by SBHQ View Post
Firstly is this even allowed...
Can you buy/sell a car? Yes. Buying is the easy part... you might never be able to sell it.


... and secondly what is the situation with insurance?
You likely won't be able to get insurance. It'd be much easier and more cost effective to rent for a couple of months.

Ian
ian-mstm is offline  
Old Sep 23rd 2012, 3:44 pm
  #3  
BE Enthusiast
 
Joined: Nov 2007
Location: Carson City, NV
Posts: 789
TimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of light
Default Re: Car Insurance for non-US citizen

Insurance is going to be an utter mare and it's likely to wipe out any savings over a rental car if you can even get it. Add to that the transaction cost of buying a car (depending on the state, you might have to pay sales tax on top of the purchase price before you're able to register the car), potential problems registering it because you don't have a US drivers license and having to sell it very quickly afterwards and this has Bad Idea written all over it.

And that's before we even get to the part about finding a good used car for reasonable money (unless you want to spend $6k-$10k). For some inexplicable reason, used cars are much more expensive over here than they are in the UK and by the time they're sub $3k they're often of questionable mechanical quality (to put it mildly - keep in mind that the majority of states here has no equivalent of an MOT).
TimNiceBut is offline  
Old Sep 24th 2012, 3:28 am
  #4  
BE Forum Addict
 
Joined: Sep 2010
Location: Maryland (via Belfast, Manchester, Toronto and London)
Posts: 4,771
MarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond reputeMarylandNed has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

It's possible - I know people who have done this. I think they got insurance through Progressive.

For 2 months in this economy, I'd be tempted to go with a rental. Maybe in a better economy it would be easier to buy a good used car but people are currently holding on to good used cars for longer or selling them for more. The used car option might be worth it for trips of 3 months or longer.
MarylandNed is offline  
Old Sep 24th 2012, 5:23 am
  #5  
BE Enthusiast
 
Joined: Nov 2008
Location: Seal Rock, Oregon
Posts: 837
cluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond reputecluedweasel has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

If it helps, Hertz has a $499 per month offer at the moment.
https://www.hertz.com/rentacar/q-11362773/hertz-rentals-as-low-as-$499-per-month-special-offer
cluedweasel is offline  
Old Sep 24th 2012, 10:21 am
  #6  
BMO
Just Joined
 
Joined: Sep 2012
Posts: 23
BMO is an unknown quantity at this point
Default Re: Car Insurance for non-US citizen

For less than $499 per month you could rent a car. If you're looking to save money thats the best option. You then arent left with a car at the end of your holiday that you cant sell so you're like $5,000 out of pocket for!!!

That would be a nightmare
BMO is offline  
Old Sep 24th 2012, 1:16 pm
  #7  
@matthewb76
 
Manc's Avatar
 
Joined: Jul 2003
Location: Missouri
Posts: 21,886
Manc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

if the car you buy is a beater, say a $500 1990 ford tempo..... you only need liability insurance.

I would ask your current insurer in the UK if they offer a Personal Umbrella for liability purposes and see if that extends worldwide.

I know in the USA, my Personal umbrella coverage insures me for $1,000,000 worldwide and I used this policy to insure me third party wise when I drove my mums old car in the UK.
Manc is offline  
Old Sep 24th 2012, 1:30 pm
  #8  
BMO
Just Joined
 
Joined: Sep 2012
Posts: 23
BMO is an unknown quantity at this point
Default Re: Car Insurance for non-US citizen

Originally Posted by Manc View Post
if the car you buy is a beater, say a $500 1990 ford tempo..... you only need liability insurance.

I would ask your current insurer in the UK if they offer a Personal Umbrella for liability purposes and see if that extends worldwide.

I know in the USA, my Personal umbrella coverage insures me for $1,000,000 worldwide and I used this policy to insure me third party wise when I drove my mums old car in the UK.
I didnt even know you could get a car for $500!!! Where? Would be good for a stop gap until I find something decent
BMO is offline  
Old Sep 24th 2012, 1:37 pm
  #9  
@matthewb76
 
Manc's Avatar
 
Joined: Jul 2003
Location: Missouri
Posts: 21,886
Manc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

http://www.autotrader.com/cars-for-s...30658069&Log=0
Manc is offline  
Old Sep 24th 2012, 1:39 pm
  #10  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,098
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

Originally Posted by BMO View Post
I didnt even know you could get a car for $500!!! Where? Would be good for a stop gap until I find something decent
Then you have the problems of breakdown/repairs. Much better to hire a car IMO...at least it would be more road worthy with some up to date safety features. Gawd knows you need them the way people here drive.
Jerseygirl is offline  
Old Sep 24th 2012, 1:40 pm
  #11  
@matthewb76
 
Manc's Avatar
 
Joined: Jul 2003
Location: Missouri
Posts: 21,886
Manc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

Originally Posted by Jerseygirl View Post
Then you have the problems of breakdown/repairs.
you pay your money you take your chance.

he only needs it for 60 days no?
Manc is offline  
Old Sep 24th 2012, 4:17 pm
  #12  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,723
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

Originally Posted by BMO View Post
I didnt even know you could get a car for $500!!! Where? Would be good for a stop gap until I find something decent
Plenty of bangers out there on craigslist and those no credit sales places but they'll be right shit, but if only for a few weeks you might be okay.

Problem probably comes with getting the car inspected and then registered, with no fixed address...though all that would depend on the state.
Bob is offline  
Old Sep 24th 2012, 4:19 pm
  #13  
BE Enthusiast
 
Joined: Nov 2007
Location: Carson City, NV
Posts: 789
TimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of lightTimNiceBut is a glorious beacon of light
Default Re: Car Insurance for non-US citizen

There's also a chance that the title might not show up in time, which will effectively prevent the OP from selling the car.
TimNiceBut is offline  
Old Sep 24th 2012, 4:58 pm
  #14  
BMO
Just Joined
 
Joined: Sep 2012
Posts: 23
BMO is an unknown quantity at this point
Default Re: Car Insurance for non-US citizen

I didnt even know they had an auto trader over there haha

Wait...How the HELL did a car do 429,611 miles and is still going...!?!?!?!??!? WOW

I would still 100% advise that you just rent though. You can get some pretty good deals
BMO is offline  
Old Sep 24th 2012, 5:26 pm
  #15  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,098
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Car Insurance for non-US citizen

Originally Posted by Manc View Post
you pay your money you take your chance.

he only needs it for 60 days no?
You've got to ask yourself one question: Do I feel lucky? Well, do ya, punk?
Jerseygirl is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.