In a country as big as the United States, and even if you find yourself in a particularly well-served area, the car is an imponderable one. But once on site and your vehicle purchased, no way to drive without insurance. How does car insurance work in the United States? Price, license, registration, products, history. We approach everything here.
Cheap car insurance: what license to present to your future insurer?
First of all, we need to clarify one thing: you can not drive in the United States with your French license . Do not be foolish to drive with, because the US police will then consider you without a license! Do not make the mistake of presenting a French license to an insurance company: it will refuse you any contract. You need :
• An international permit (to be collected in France before leaving with your prefecture, sub-prefecture or town hall), but valid on the US territory only for a period of 3 months. Therefore, this license will be especially useful for renting a car. Indeed, many insurers are quite reluctant with drivers with this license.
• That is a Florida permit that you can get at the DMV (Department of Motor Vehicles) center in your county. By doing this, and doing it as soon as possible upon your arrival, you can get car insurance for your brand new car.
With Or Without Driver History?
Arriving in the United States without a history of car insurance, you will be offered a new driver contract. And this, even if you have 15 to 20 years driving behind and thousands of kilometers rolled. In this case, your monthly payments will be higher. However, before leaving, we recommend that you contact the company that insures your car in France and ask for an English version of your driver-insured history. By doing this, you will offer the "good graces" of some US companies that will no longer consider you a new driver. The monthly payments that will be offered to you will be less.
The 3 typical products of insurance companies
Most of the time, insurance companies will offer 3 standard products for you and your vehicle. 4 guarantees are also advanced, as we will see here.
In general, the basic coverage offered by insurance companies does not apply to all 4 guarantees. Only three: namely damage to property to third parties, bodily injury to third parties or damage caused by an uninsured driver or when it is in hit-and-run behavior.
The standard cover is an improved version of the basic because it includes all three warranties mentioned above, but with covers 2 to 5 times higher. It also offers an ultimate guarantee: the bodily injury caused to the driver or his passengers is also covered.
The improved or premium coverage, depending on the establishment, obviously includes all 4 guarantees mentioned above, but with a much higher coverage. For example, we are talking about $ 100,000 to $ 300,000 for damage to third parties or $ 50,000 for property damage.
Average rates for car insurance in the US in 2014
To get a clearer picture of the US car insurance market today and what it has in store for you, we take this study from ValuePenguin , a US insurance and data specialist that specializes in insurance. surround. You will discover here, state by state, from Alabama to Wyoming, the average price, both monthly and yearly , of car insurance for a car.
To help you make your choice on your future insurance product and to understand what the guarantees that you will be offered, here is their translation:
● Property damage to third parties = Property Damage Liability.
● Bodily injury to third parties = Bodily Injury Liability.
● Bodily injury to the driver or his passengers = Medical Payments.
● Damage caused by uninsured or hit and run driver = Uninsured Motorist Bodily Injury Liability.
If we observe disparities between states in terms of tariffs , it is because of several factors: local statistics (accidents and car theft in particular), density of traffic, density of the population or even the speed limit of state (it is not the same in all states).
Car Purchased From An Individual Or A Professional: How To Make Sure?
Buying A Used Car From An Individual
This is often the right plan when you arrive in the United States and you have already reaped many costs. This way, you will be able to equip yourself for $ 2000 minimum, but you will not have a first choice! Still, by choosing this option, you are also taking risks. Why ? Firstly because you are not sure that the car is insurable . To be clear, it is strongly advised (once the two parties have agreed on the price) to visit your future insurer, accompanied by the owner. You will then be stipulated if the gray card or "title" is clean or not. If so, then you can insure it.
Buy In Concession Or "Car Dealer"
You can only buy a car from a car dealer if you are not insured . From there, you have two solutions. The first, a bit far-fetched, is to subscribe to basic insurance for just a few days to buy your car. You will then have the freedom to choose the establishment that makes you the best offer. Especially since buying at a car dealer, you will (normally) no problem of registration. You will not get any if the car is new.
The ultimate solution is to present the "identity" of the vehicle you want to buy to an insurance company and obtain a consent to submit to your car dealer. The identity has been checked before the purchase, when the car will be yours, your insurer will then only have to ask you out the blue card.
wawanesa proof of insurance