Cheap Car Insurance For International Students - Going to school abroad, going on vacation, thinking of moving? Or like many people today, do you want to travel and work far away from an exotic location? In this new world of no limits, you can live the life you want, but there are still major issues like car insurance that you need to address.
This may be the question you are asking yourself. Can a non-US citizen drive in the US with a foreign driver's license? Do you need temporary car insurance for foreign drivers? If you are a US citizen traveling to Mexico or Canada, do you need different car insurance?
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We will discuss this issue for foreign drivers in the US and also look for insurance as an American traveling to foreign countries.
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Americans love cars and infrastructure in big metropolitan cities and rural areas that are car-centric. This means that driving is required to visit the US. So will your current driver's license work in the US?
Most US states allow you to drive with a foreign driver's license. However, there are some countries that require an International Driving Permit (IDP). IDP can be obtained in your country of origin.
An IDP can be a smart choice if you travel around different countries or plan to be here for a long time. No test required - IDP simply translates your country's driver's license into English.
If you have a car insurance plan during your stay, an IDP may be required by the insurance company.
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However, if you plan to stay for an extended visit or are employed and obtain a Social Security Number (SSN), you will want to apply for a driver's license in your state of residence.
Now that you know your driver's license, you need to decide on car insurance for international drivers.
Note that driving without car insurance is illegal in most US states – only Virginia and New Hampshire waive the mandatory requirement. However, while Virginia and New Hampshire do not require car insurance, they do require a large financial guarantee or cash deposit to cover potential accidents.
If you're going to be in the US for a short period of time, you can add it to your existing personal privacy (if allowed). This will save you the hassle of finding car insurance for a short trip.
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All car rental companies in the US offer car insurance. Generally, getting comprehensive coverage for a short period of time is very affordable, and it provides great benefits if you are involved in an unfortunate accident. Also, many credit card companies will offer you car insurance if you use your card to pay for a rental.
If you are going to be in the US full time, car insurance for international drivers can be obtained through a reputable insurance company.
The best way to find a reasonable price is to contact the insurance market, eg. Here you can answer questions and find out the prices of international insurance policies from companies that have this type of product.
Before talking to an insurance agent, it's good to know what types of insurance are available. You can get full coverage insurance or opt for liability insurance. Keep in mind that if the vehicle you are driving is not directly owned or leased, you will need to purchase comprehensive coverage to protect its assets.
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Comprehensive coverage insurance policies include liability coverage (explained below) as well as comprehensive coverage that covers medical expenses and any damage to your vehicle, including vandalism, weather and theft.
While liability coverage meets state minimum coverage requirements, it is not recommended unless you drive a vehicle that has little or no replacement value.
Liability coverage for bodily injuries caused by others in an accident, as well as property damage compensation to help pay for damage to other people's property or vehicles.
Some states also require liability coverage that includes personal injury protection (PIP) coverage, which covers medical expenses if you are injured.
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Car insurance can be expensive in the US. Most insurance companies determine your rates based on your driving record and credit history (among other things), and since you don't have such insurance in the US, you're considered a "high risk driver."
Canadian drivers are not required to have an international driver's license or special insurance when traveling in the US. They are good anywhere in the country using a regular Canadian driver's license and insurance.
Mexican drivers can use their Mexican driver's license for up to three months before obtaining an international driver's license. However, insurance from Mexico is valid as long as it meets each country's requirements for coverage.
Many states require you to have local mandatory liability coverage. However, you may want to consider purchasing international auto insurance from a US auto insurance company to supplement your local foreign policy.
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No (except for Canada, but more on that later). Domestic insurance policies do not cover you outside the US due to territorial limitations.
If you're traveling abroad and plan to rent a car, you should get the best coverage offered by the rental company (or credit card company if you're paying by card). And while they must be present in the legal requirements of a particular country, it's always a good idea to check with the country's embassy website to make sure you're getting the right coverage.
Whether you're moving to a new country and taking your car or borrowing someone else's car, you should buy an international car insurance policy that offers worldwide coverage.
If you are in this country, you may be able to get insurance, but it may be easier to contact your local insurance broker in the US to help you find the right coverage for your needs. Most major insurance companies offer international insurance policies or can refer you to an insurance company that does.
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The US Department of State recommends that you obtain an IDP as an official translation of your current driver's license. This way, no matter which country you travel to, you have an official document that allows you to drive.
Getting an IDP is easy and no test is required - contact the American Automobile Association (AAA). They accept applications online, by mail and at local branches.
The State Department also recommends checking your country's driving laws before you arrive. Different states have different driving laws, which can be difficult to understand, but they are the law. For example:
Although some of these laws may seem strange, states have laws that differ from those in the US, and it is your responsibility to be aware of them when driving in these states. You can get driving laws and safety information at any US embassy or consulate.
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In Canada, a driver's license and car insurance are valid. However, in Mexico, your driver's license will be valid, but you will need to purchase Mexican insurance immediately after crossing the border (or hopefully before).
Penalties for driving without proper insurance in Mexico can be severe, and if you get into an accident, you could face serious legal problems, especially if alcohol is involved.
In any country you travel to, always have the appropriate documents (printed and digital if possible) in your hotel or home when you store other aircraft.
Nowadays, finding cheap car insurance for international drivers is more convenient than ever. In the past, you had to track down individual insurance companies and contact each company for a quote. This is especially difficult if you live in another country, have a language barrier, or have limited internet access.
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Today, the insurance market provides all the information you need, as well as a quote engine that allows you to add personal information to get free insurance quotes without obligation from many national insurance companies.
From there, you can compare rates, speak with individual agents, and choose the best insurance coverage option for you and your situation.
Travel, whether for work, study or vacation, is an opportunity to see the world. And the ability to drive in a foreign country gives you more freedom. All it takes is some advance planning and a few bucks.
If you are a foreign national traveling to the US, it is important to get car insurance and have a valid driver's license, preferably an IDP. This means getting a full coverage policy or a liability only policy depending on the type of vehicle you drive.
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If you are traveling in different countries, it is important to know the driving laws from country to country as well as the insurance requirements.
As a US citizen traveling by boat, you will want to get international insurance through a trusted insurance broker or through an insurance marketplace where you can check out a variety of information.
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