If you want to drive a car, you also need insurance for it. Insurance can be very expensive, especially for people coming to America from abroad.
You need it because insurance companies get a driving record to see if you ever had traffic offenses or traffic tickets. But without an American driver’s license, there is no go for your driving record. Since the insurance company can not check you, the premiums will be correspondingly high.
What a dilemma! Now the time has come to have an American driver’s license that hardly any insurance company will assure you without an American driver’s license. Quiet, some do it. Still, these services are extremely rare and very expensive.
What factors are all affecting the premium?
- Your age;
- Your driving record;
- Your car;
- Where you live;
- Your credit history;
- Scope of your insurance.
How The Whole Works
The insurance companies assume that young people make an accident anyway. This is especially unfair to those who drive carefully. It would, therefore, be worthwhile considering additional options. For example, the obligation of the zero percentile limit or the installation of a crash recorder can lead to a premium reduction of up to 15 percent.
By opting into this, you consent to the processing of your personal information in the future. However, your expenses are not something insurers would brag about. Everything is utilitarian to a point where it hurts. Once you find yourself in the middle of it, things can become confusing.
The so-called LIS (Liability Insurance Supplement) or EP (Extended Protection) or ALI (Additional Liability Insurance) or SLI (Supplemental Liability Insurance) offers improved insurance protection. It can still be rebooked upon assumption of the rental car on-site (but possibly not in Texas) and costs about the US $ 11 per rental day (including tax = tax). The insurance increases coverage of statutory liability insurance to $ 1,000,000 for personal injury and property damage per claim.
In our opinion, this insurance makes sense, even if a comprehensive insurance cover is already provided by a European insurer. Here are also insured claims of the lessee against a guilty accident opponent, if this is not or underinsured or not known because he commits driver escape (up to 100,000 US $). In these cases, insurance coverage is missing.
Where Do You Get The Best Car Insurance?
One possibility would be to take the yellow pages in your city and pick out the insurance agencies.
Another option is independent insurance brokers. These have the advantage that they are not tied to a particular society and thereby find the cheapest for you.
In the US, young autoists drive the most expensive. On average, fully comprehensive insurance costs young men 15 percent more. Now that more of us are well aware that Moore’s Law is petering out, we’ll need better/smarter insurance solutions to get us where we want to be. Furthermore, the Internet offers, of course, an ideal basis to know more about the cheapest insurance.