International Students: Get Affordable Auto Insurance

International students often face challenges when it comes to securing affordable auto insurance in the United States. The lack of a U.S. driving record and credit history can result in higher insurance rates for these students. However, there are ways to mitigate these challenges and find cheap auto insurance options.

Firstly, international students can explore insurance providers that cater specifically to their needs, such as USAA, Erie, Geico, Progressive, Bristol West, and Dairyland. These companies offer affordable rates and special discounts tailored for international students. Additionally, universities and colleges often have programs to assist international students in finding insurance providers that do not require a minimum of three years of U.S. driving experience.

Comparing insurance rates from multiple providers is crucial, as rates can vary significantly depending on the student's location and the type of insurance they need. It is also important to understand the minimum insurance requirements of the state in which the student will be driving, as these requirements vary across the country.

International students can also take advantage of various discounts offered by insurance providers, such as good student discounts, safe driver discounts, and low mileage discounts. Additionally, opting for a higher deductible can lead to lower insurance premiums.

By combining these strategies, international students can navigate the complexities of the U.S. auto insurance market and secure affordable coverage that meets their needs.

Discounts for international students

International students can take advantage of various discounts to reduce their car insurance costs. Here are some of the most common discounts available:

• Good Student Discounts: Many insurance companies offer reduced rates for students who maintain a certain grade point average (GPA) or academic performance. For example, State Farm offers a good student discount for those with a GPA of at least 3.0 or those in the top 20% of their class.
• Defensive Driving Course Discounts: Completing an accredited defensive driving course can improve your driving skills and make you eligible for insurance discounts. State Farm and Allstate offer their own programs for young drivers that can lead to further reductions.
• Student Away from Home Discounts: If you're studying more than 100 miles away from home and don't have regular access to a car, you may qualify for this discount.
• Family Policy Discounts: Being added to your parents' existing insurance policy is often more cost-effective than purchasing your own coverage. This can also help prevent a lapse in coverage, which is beneficial for maintaining lower rates in the future.
• Low-Mileage Discounts: If you live on campus and don't drive frequently, some insurance providers will offer lower rates.
• Safe Vehicle Discounts: Driving a car with excellent safety ratings and features can make you eligible for discounts.
• Multi-Car Plan Discounts: If your family has multiple cars insured under a single policy, adding your vehicle could result in a multi-car discount for everyone.
• Alumni and Organization Discounts: Membership in certain student organizations or alumni associations may provide discounts with specific insurance companies.

International student associations

When looking for car insurance, international students can also benefit from doing their own research to compare rates and find the best possible price. They can use online tools and comparison sites to get quotes from multiple insurance companies and see what discounts are available. It is also important for international students to understand the different types of car insurance coverage and choose the options that best meet their needs.

In addition to comparing rates and coverage options, international students can also take advantage of various strategies to lower their car insurance costs. These include maintaining a good grade point average to qualify for good student discounts, taking a defensive driving course, and increasing their deductible. By combining the resources offered by international student associations with their own research and cost-saving strategies, international students can find affordable car insurance that meets their needs.

Temporary car insurance

When taking out temporary car insurance, students will need to provide their name, address, date of birth, email, the registration number of the car to be insured, their driving licence number, and the length of time they need cover for.

There are a few companies that offer temporary car insurance for students in the UK, including Tempcover, Endsleigh, and Dayinsure. These companies offer flexible policies with comprehensive cover for a duration that suits the student's needs.

International driving permits

An International Driving Permit (IDP) is a document that translates your identifying information into different languages, allowing you to drive legally in countries that require one. It is not a replacement for your national driving licence, but an addition to it.

In the US, the American Automobile Association (AAA) is the only entity authorised by the US Department of State to issue IDPs. The IDP application process can be done in person at a AAA Travel office or by mail. The requirements include:

• A completed IDP application form
• Two original passport pictures (also available at AAA Travel offices)
• A valid US driver's license
• A $20 permit fee

It is important to note that an IDP must be issued in the same country as your driver's license. Therefore, if you are a US citizen, you can only obtain an IDP from within the US. Additionally, IDPs may not be issued more than six months in advance of the desired effective date.

Before travelling to another country, it is recommended to check the requirements for driving there. While your state driver's license may be valid in Canada and Mexico, other countries may require an IDP. Fines for driving without an IDP in certain countries can be costly.

Comparison shopping

• Research and Compare: Start by researching reputable insurance providers that offer online quoting services. Utilize comparison websites or visit individual company websites to gather quotes from a wide range of insurers.
• Provide Accurate Information: When filling out online quote forms, ensure you provide accurate and up-to-date information, including driving history, vehicle details, and personal information. This will help you get the most relevant and accurate quotes.
• Customize Coverage: Tailor your coverage preferences to match your specific needs and budget. Consider factors such as liability limits, deductibles, and additional coverage types offered by different insurers.
• Review and Compare: Carefully review and compare the quotes you receive, paying close attention to coverage details, pricing, and any discounts or special offers available. Look for insurers that offer special discounts for international students.
• Contact Insurers Directly: If you have questions or need clarification, don't hesitate to contact the insurance providers directly. Speaking with a representative can provide additional insights and help you make a more informed decision.
• Finalize Your Purchase: Once you've found the most suitable quote, proceed to finalize the purchase by following the insurer's instructions for completing the necessary paperwork and payment details to activate your policy.

By following these steps, international students can find the best auto insurance options that meet their coverage needs and budget constraints. It's important to remember that rates and coverage options can vary significantly between providers, so comparison shopping is a valuable tool for finding the most affordable and comprehensive insurance plan.

Frequently asked questions