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Car Insurance in North Carolina

Car Insurance in North Carolina

Old Dec 23rd 2007, 8:07 pm
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Unhappy Car Insurance in North Carolina

Hi everyone i'm looking at buying a car in the new year and was wondering if anyone out there can tell me if there are any Car Insurance companies in North Carolina that will accept my UK no-claims bonus i've rung around a few but they all say no, It's getting bloody cold riding to work on my bike everyday plus I really do get some funny looks, It was ok in the summer but don't think I can last the winter out!!

Cheers Rick
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Old Dec 23rd 2007, 8:14 pm
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Default Re: Car Insurance in North Carolina

AIG did ours, but that was through our relocation programme.
HTH
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Old Dec 23rd 2007, 8:40 pm
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Default Re: Car Insurance in North Carolina

Hi there
So did they take your no-claims for the car into account from the UK or did they just offer you a good deal on insurance because you were using them for everything else?

Cheers Rick
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Old Dec 23rd 2007, 10:26 pm
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Default Re: Car Insurance in North Carolina

They took into account we had no claims in England, but we were put in touch with them through the relocation company
FWIW my husband still thought it was expensive until he tried elsewhere LOL
worth a punt maybe
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Old Dec 23rd 2007, 11:10 pm
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Default Re: Car Insurance in North Carolina

I would have thought driving in the UK means 'diddly squat' in the US and since you're driving on the other side of the road you're more likely to be disorientated with the road system and hence more of a liability to other road users?

I'd be pretty amazed if you found anyone that would recognise your careful driving in the UK.

Buy some long-johns from walmart!

Darren

Last edited by YankeeDaz; Dec 23rd 2007 at 11:13 pm.
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Old Dec 23rd 2007, 11:18 pm
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Default Re: Car Insurance in North Carolina

You basically start again .... some we say your getting a deal ...
don't believe everything ..but get your US licence first
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Old Dec 23rd 2007, 11:39 pm
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Default Re: Car Insurance in North Carolina

Originally Posted by YankeeDaz View Post
I would have thought driving in the UK means 'diddly squat' in the US and since you're driving on the other side of the road you're more likely to be disorientated with the road system and hence more of a liability to other road users?

I'd be pretty amazed if you found anyone that would recognise your careful driving in the UK.

Buy some long-johns from walmart!

Darren

Seeing that *we* have to pass a PROPER driving test - as opposed to just driving round a car park - I would have thought that US insurers ought to be keen to sign up UK drivers with no claims bonuses...
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Old Dec 24th 2007, 12:21 am
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Default Re: Car Insurance in North Carolina

Originally Posted by Elvira View Post
Seeing that *we* have to pass a PROPER driving test - as opposed to just driving round a car park - I would have thought that US insurers ought to be keen to sign up UK drivers with no claims bonuses...
So are you going to start an "awareness" campaign about the difficulties of obtaining a UK licence?

We log far more miles per year, but I doubt very much that a UK insurer would care about our accident rate per mile.

What I'm saying is that certain things are very specific to the Rome you happen to be living in.
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Old Dec 24th 2007, 1:28 am
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Default Re: Car Insurance in North Carolina

Originally Posted by rickbashley View Post
Hi everyone i'm looking at buying a car in the new year and was wondering if anyone out there can tell me if there are any Car Insurance companies in North Carolina that will accept my UK no-claims bonus i've rung around a few but they all say no, It's getting bloody cold riding to work on my bike everyday plus I really do get some funny looks, It was ok in the summer but don't think I can last the winter out!!

Cheers Rick
IMHO it's more important that any auto insurance quote takes into account the fact that you had a driving history prior to moving to the US. Personally, I think it's a little much to hope for your no claims bonus to be taken into account especially when the UK drives on the left and the US on the right.

When I first moved to NC, I had auto insurance with Nationwide. I didn't like my agent and she did try to rip me off so I moved to GEICO and I'm happy with that. I've never had to make a claim though which is really when one finds out if one has good auto insurance.
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Old Dec 24th 2007, 9:38 am
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Default Re: Car Insurance in North Carolina

Originally Posted by Elvira View Post
Seeing that *we* have to pass a PROPER driving test - as opposed to just driving round a car park - I would have thought that US insurers ought to be keen to sign up UK drivers with no claims bonuses...
I'm not surprised that they don't - when I moved to the UK (from Germany, where the driving test is even harder than in the UK), there were only a handful of companies that would even consider taking my German NCB into account. For at least five years I had to listen to the "but you're a new driver" - "No I'm effing not" spiel, and it took about eight years to get to the point where I can now insure pretty much anything in the UK.

As usual, insurance is about quantifiable risk; Insurances can quantify the risk of the locals hitting things but it's a lot harder for them to quantify the risk involved with supposedly good drivers from abroad. And of course "a lot harder" translates into "mo' money out of your pocket"...
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Old Dec 24th 2007, 9:43 am
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Default Re: Car Insurance in North Carolina

Originally Posted by NC Penguin View Post
When I first moved to NC, I had auto insurance with Nationwide. I didn't like my agent and she did try to rip me off so I moved to GEICO and I'm happy with that. I've never had to make a claim though which is really when one finds out if one has good auto insurance.
My wife's been with Geico for a few years now and recently had to make a claim. From what she told me, they seem to be very good about it. Of course we don't know how much they'll load the premium by...
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Old Dec 24th 2007, 4:54 pm
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Default Re: Car Insurance in North Carolina

There have been lots of threads on this already worth doing a search.

For the record you are starting again - rightly or wrongly they dont take into account your history. For some reason Allstate did for us when we first came over but i think that was an admin error on their part as they refused to do so for some friends who came out from the UK after us. Its also linked to your credit score - as you are unlikely to have one then that will go against you too.

Someone mentioned AIG - you pay to join their club and then you get prefernential rates which do take into account your UK driving record.

Bank on paying a fair whack though - from what I have heard 1000 - 1500 bux per 6 months.

Good luck!
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Old Jan 3rd 2008, 7:55 pm
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Default Re: Car Insurance in North Carolina

Hi,
I'm new here but having the same insurance dilema.
I have been offered insurance through AIG if I join some sort of one off club for $400 I can get car insurance for $600/6 months, considering I was paying £350/year in the UK for a similar size car & engine I thought they made a mistake with the 6month thing and meant 12 months!

Do all insurers do 6 month policies rather than the UK 12 month norm?

Forum's a great read folks, keep it up.
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Old Jan 3rd 2008, 7:58 pm
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Default Re: Car Insurance in North Carolina

Originally Posted by AlexJB View Post
!
Do all insurers do 6 month policies rather than the UK 12 month norm?
A few do ..but not many ...
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Old Jan 3rd 2008, 8:17 pm
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Default Re: Car Insurance in North Carolina

Originally Posted by Elvira View Post
Seeing that *we* have to pass a PROPER driving test - as opposed to just driving round a car park - I would have thought that US insurers ought to be keen to sign up UK drivers with no claims bonuses...

When my kids (and I) took our test, we had to drive in the city where the bureau was...usually the county seat. The kids did practice their parking skills in a car park.
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