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

The cost of motor insurance

The cost of motor insurance

Old Oct 27th 2017, 5:41 pm
  #1  
Forum Regular
Thread Starter
 
Joined: Mar 2017
Location: Pennsylvania
Posts: 214
RollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond repute
Default The cost of motor insurance

So we're hugely looking forward to the delivery of our Ford Explorer Sport next week. It's been a long time coming...2 months in fact.
Now we need to insure it.
Any idea what would be a reasonable cost for insurance for two of us?
I've been offered $2398 which seems hugely expensive.

We're taking the PA driving test next week, but the insurer have told us it wouldn't make a difference I understood from this forum it would.

Also we've provided NCD evidence for each of us, 9 and 11 years.

I thought perhaps a grand, but over two?? Really???
RollingStones is offline  
Old Oct 27th 2017, 6:02 pm
  #2  
i hate cabbage
 
Jack8602's Avatar
 
Joined: Mar 2015
Location: Fort Worth, TX
Posts: 438
Jack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond repute
Default Re: The cost of motor insurance

2398 for the year? Me and the wife pay around that but for 2 cars.

You'll come to realize insurance out here is insanely expensive compared to the UK.
Jack8602 is offline  
Old Oct 27th 2017, 6:24 pm
  #3  
BE Enthusiast
 
Joined: Feb 2017
Location: Newnan, GA
Posts: 472
robtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond repute
Default Re: The cost of motor insurance

My first 6 months on two cars - Ford Escape and Fusion - for two of us was $381 per month, we then switched and reduced it to $281 and our renewal this month came in at $214 per month.
robtuck is offline  
Old Oct 27th 2017, 6:27 pm
  #4  
Forum Regular
Thread Starter
 
Joined: Mar 2017
Location: Pennsylvania
Posts: 214
RollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond reputeRollingStones has a reputation beyond repute
Default Re: The cost of motor insurance

If we pay it monthly, its $3,000.
RollingStones is offline  
Old Oct 27th 2017, 6:42 pm
  #5  
BE Enthusiast
 
Joined: Feb 2017
Location: Newnan, GA
Posts: 472
robtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond reputerobtuck has a reputation beyond repute
Default Re: The cost of motor insurance

It's based on your credit report as well as driving history, hence, bar being 17 again for real, this is as close as you get - buying car insurance in the USA for the first time! My example shows the reduction in 12 months, nearly half. Don't ever expect it to be much better than a punch on the nose though.

One year in the UK, using Quidco.com, I managed to get one year for 156 GBP and got 130 GBP cashback, oh for those days.
robtuck is offline  
Old Oct 27th 2017, 7:35 pm
  #6  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 7,207
SanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond repute
Default Re: The cost of motor insurance

You only arrived in Philly 2 to 3 months ago didn't you?

If so, you have no credit history and most insurance companies will treat you as though you are a beginner at 17 (some might accept your no claims record)

When I arrived in 2000 I was quoted and had to pay around 2K per annum for a small Acura - so a big sporty SUV for 2,300 sounds about right to me.

(I had been driving for 30 years too!)
SanDiegogirl is offline  
Old Oct 27th 2017, 8:21 pm
  #7  
Forum Regular
 
Phyzz's Avatar
 
Joined: Mar 2014
Location: Hershey, PA
Posts: 98
Phyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond reputePhyzz has a reputation beyond repute
Default Re: The cost of motor insurance

I also got quoted ridiculous amounts to start with.

Signed up with AIG travelguard (I think that is the name of it).
Premiums were significantly reduced. If I recall correctly it is in the region of $450 to sign up, but the saving on my car insurance alone more than covered that cost. They also offer additional services included within that fee. Worth a look in my opinion.
Phyzz is offline  
Old Oct 27th 2017, 8:30 pm
  #8  
I don't (often) bite
 
Joined: Dec 2015
Location: Malvern, PA
Posts: 186
hmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond reputehmvsdog has a reputation beyond repute
Default Re: The cost of motor insurance

As others have said, you're technically a new driver with no experience in the US. I insure 2 cars for myself and my wife for around $900 every 6 months now (been here a couple of years).
hmvsdog is offline  
Old Oct 27th 2017, 9:00 pm
  #9  
Lt Col (Retd)
 
Pulaski's Avatar
 
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 47,708
Pulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond repute
Default Re: The cost of motor insurance

As others have said, $2,000/yr is about the starting point, so $2,400 for a shiny new Explorer Sport sounds about right.

The only good news I have is that the cost is likely to decline fairly rapidly over the next 3-4 years, but you will probably need to switch insurers at least once, and perhaps more, to get the best reductions.
Pulaski is online now  
Old Oct 27th 2017, 9:05 pm
  #10  
BE Enthusiast
 
Joined: Mar 2017
Posts: 315
Ecto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond reputeEcto17 has a reputation beyond repute
Default Re: The cost of motor insurance

Originally Posted by RollingStones View Post
So we're hugely looking forward to the delivery of our Ford Explorer Sport next week. It's been a long time coming...2 months in fact.
Now we need to insure it.
Any idea what would be a reasonable cost for insurance for two of us?
I've been offered $2398 which seems hugely expensive.

We're taking the PA driving test next week, but the insurer have told us it wouldn't make a difference I understood from this forum it would.

Also we've provided NCD evidence for each of us, 9 and 11 years.

I thought perhaps a grand, but over two?? Really???
I take that price is annually? If so that is in line for what we were being quoted in NJ. We have an Escape and Explorer and got them in the summer from IAS. We ended up paying just under 4K annually for both as we went through NJM but everyone else was not dissimilar to your quote.
It is painful but at least as demonstrated by others, it will go down after 6 months so probably worth just going for a short term to start with.
Hope you like your new car, we love ours.
Ecto17 is offline  
Old Oct 27th 2017, 9:06 pm
  #11  
i hate cabbage
 
Jack8602's Avatar
 
Joined: Mar 2015
Location: Fort Worth, TX
Posts: 438
Jack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond reputeJack8602 has a reputation beyond repute
Default Re: The cost of motor insurance

Originally Posted by Pulaski View Post
The only good news I have is that the cost is likely to decline fairly rapidly over the next 3-4 years, but you will probably need to switch insurers at least once, and perhaps more, to get the best reductions.
+1

And contrary to the commercials you will now see living in the US. 15 minutes will 95% of the time not save you 15% or more on your car insurance

Stupid british lizard
Jack8602 is offline  
Old Oct 27th 2017, 10:02 pm
  #12  
BE Forum Addict
 
steveq's Avatar
 
Joined: Feb 2013
Location: State College Pa.
Posts: 1,465
steveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond reputesteveq has a reputation beyond repute
Default Re: The cost of motor insurance

Originally Posted by Pulaski View Post
As others have said, $2,000/yr is about the starting point, so $2,400 for a shiny new Explorer Sport sounds about right.

The only good news I have is that the cost is likely to decline fairly rapidly over the next 3-4 years, but you will probably need to switch insurers at least once, and perhaps more, to get the best reductions.
Three years in, we're paying $400 per quarter on 3 cars with a 17 year old driver.
steveq is offline  
Old Oct 27th 2017, 11:07 pm
  #13  
BE Forum Addict
 
tom169's Avatar
 
Joined: Mar 2015
Location: NC, USA (ex Yorkshire)
Posts: 4,018
tom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond repute
Default Re: The cost of motor insurance

Originally Posted by Jack8602 View Post
Stupid british lizard
Or is he Australian...?
tom169 is offline  
Old Oct 27th 2017, 11:38 pm
  #14  
Forum Regular
 
Joined: Nov 2016
Location: Knoxville, TN
Posts: 189
Chesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond reputeChesten has a reputation beyond repute
Default Re: The cost of motor insurance

Switching six-months in made a difference for us.

But: try and keep your licence clean! (Another thread).
Chesten is offline  
Old Oct 28th 2017, 1:05 am
  #15  
Powder Maggot
 
AdobePinon's Avatar
 
Joined: Nov 2004
Location: Nuevo Mexico
Posts: 4,443
AdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond reputeAdobePinon has a reputation beyond repute
Default Re: The cost of motor insurance

And shop around a lot. In my case when I started, one insurer quoted me less than half of any of the others when I had almost given up trying to find something reasonable. In the end, the most expensive quote was six times the least. But do make sure they're all offering appropriate coverage levels.
AdobePinon 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.