As a newly located immigrant, getting behind the wheel can seem overwhelming when each state has it’s own set of laws regarding insurance coverage. You know that it’s illegal to drive a vehicle without a license and auto insurance in the U.S., but exactly how much insurance do you need?
If you’re planning on staying in the U.S. for more than 1 year you’ll need to apply for a driver’s license. Your cost of insurance will be more than the average citizen’s because you don’t have an American driving record or credit score. These two records are important to insurance companies because they use them to determine how much of a risk you are on the roads and whether or not you’ll cost them a significant amount of money to cover. But don’t let this hold you back from getting your license! There are many ways to save on insurance so that you can explore America’s open roads.
Find an insurance company that understands international drivers’ specific needs and would be able to give you advice on coverages. The larger insurance companies offer some kind of international driver insurance and would understand which discounts could help you save money as a new driver.
|Discount Type||Discount %|
|Driving training discount||Varies|
|Defensive Driver Discount||25%|
|Multiple Vehicle Discount||38%|
|Anti-Theft Device Discount||36%|
|Passive Restraint Discount||40%|
|Seat Belt Use Discount||15%|
|Low Mileage Discount||30%|
|Multiple Policy Discount||25%|