Auto Insurance Guidelines For International Students

27 Jan

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When you are an international student studying in the US, it can be a bit confusing with the new culture and possibly even a new language. Frequently the easiest factors can be challenging to get the hang of. Things like auto insurance can be a whole new challenge when you are not familiar with the procedure or the guidelines.

If you`ll be driving in the country you program to study in, you will want to have auto insurance. Most students are on a spending budget anyway and having to deal with the expense of an accident, no matter how minor is typically a massive dent in the budget, especially if you were at fault.

– Look for a automobile insurance provider that doesn’t penalize international students. Several businesses will insist on a minimal of 3 years US driving experience in order to qualify for lower rates and higher coverage. Considering that the majority of international students have tiny or no expertise driving in the States, they will end up paying much more for much less coverage. A very couple of insurance businesses will count foreign driving encounter and offer decrease rates and deductibles.

– Although liability is the minimum requirement by law, it`s a great concept to locate out how a lot far more you`ll pay for collision insurance, as nicely as extensive. Liability covers your passengers or home that you damage in an accident, collision will cover repairs to your automobile if you crash, even if the accident was your fault. Comprehensive insurance is meant to aid you recover your financial losses if the car is stolen or destroyed by indicates other than a vehicle accident.

– Hold the age of your automobile in thoughts. Older automobiles generally aren`t worth insuring for something far more than liability, given that you would be greater off replacing the vehicle than repairing it in most cases. Newer cars will need to have to be insured for more given that it`s generally far less expensive to repair them than purchase a new car. The basic rule of thumb is that a vehicle older than 1989 should carry liability only.

– Look for fixed rates. Some automobile insurance firms will let you sign up for 6 months or 12 months, exactly where your prices will not go up, even if you have an accident during that time. Clearly, the longer the term, the far better.

– Make confident you have an up-to-date international driver`s license. This will allow you to drive each in your home country and in the US. Most international students have no want for an American driver`s license, so an international one particular must be fine. Just be sure that it is good for at least six months right after your keep ends so you`ll be able to get the finest vehicle insurance feasible.

– Bring all paperwork that could be necessary with you when you apply for automobile insurance. You`ll require proof that you haven`t had an accident in the previous 18-36 months for the greatest prices. All driving connected paperwork will support you out when applying for car insurance and can significantly cut the waiting time, as nicely, because you won`t be trying to get your papers from your property country.

for international students might be a bit tricky, but it primarily comes down to undertaking some study to discover which businesses will give you a break, even if you haven`t been driving in the States for the past three years. The rates and amount of coverage should be fair and not hiked up just simply because you are only temporarily in the nation.

9 Responses to “Auto Insurance Guidelines For International Students”

  1. Robby February 16, 2013 at 2:39 am #

    I’m trying to work out a settlement with the auto-insurance company over an injury that happened last December. They’re offering $3,500, but we want $5,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they’ll be saving money just settling. Thanks.

  2. Aleida February 21, 2013 at 8:04 am #

    My wife aparently has auto insurance, you lose your license in the state of Florida without it, however she has no idea who the coverage is through. Any thoughts?

  3. Danita March 8, 2013 at 2:27 pm #


    I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?


  4. Ned April 16, 2013 at 9:46 am #

    I just got backed into today. This is my first accident i have ever got into. I was at work and someone came and got me to let me know someone backed into me. The bumper is completely messed up and the left blinker is smashed. On their insurance card it says OLD AMERICAN COUNTY MUTUAL and UNITED AUTOMOBILE INSURANCE SERVICES. I don’t know who to contact.
    If i contact my insurance wouldn’t my insurance go up?

  5. Carmine April 28, 2013 at 1:02 pm #

    Is the automobile insurance I now have from the United States acceptable in Canada? Are there any special requirements for vehicles being brought to Canada for extended stay required?

  6. Nakita May 14, 2013 at 2:27 am #

    The automobile insurance companies are making billions off of us.

    Shouldn’t the federal government step in and compete against them for our business?

    After all we are required by law to have insurance.

    Isn’t it wrong for these companies to actually make a profit off of a product they are selling? Shouldn’t the federal government put a stop to this profiteering?

  7. Youlanda July 31, 2013 at 11:13 am #

    10pts to best answer. Question about auto insurance policies?

    I just earned my drivers liscence. My father is dreading the cost of adding another driver to the family auto insurance policy. What are some discounts that many insurance companies offer that might help save my dad some money when the premium is due?

  8. Cody September 14, 2013 at 6:25 pm #

    I’ve heard that “performance” modifications can void an auto insurance policy. Is this true? If so, what is considered a void worthy mod?
    I know that my coverage will only replace the parts to stock. Also, I’m planning on the following: CAI, headers & exhaust, short shifter, big breaks, ECU programing. When my shocks are due to be replaced i’ll probably take the opportunity to ride lower.

  9. Kurtis September 21, 2013 at 1:51 pm #

    My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
    My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for “reinstatement of coverage”, coverage I never lost in the first place.

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