If you are looking for cheap car insurance for international drivers, you may be able to find an affordable auto insurance deal if you take the time to do your research. Many international drivers assume that because they travel through many countries and drive in many locations that they cannot get a low price on their next auto insurance deal, which is not at all true. If you really want to get cheap insurance as an international driver, don’t assume that you need to do anything differently compared to other drivers looking for a cheap policy.
The first thing that you should be working on in order to get a good price is lowering your risk. I already wrote about why it is virtually impossible these days to get cheap car insurance for high risk drivers, so you should know that lowering your risk is going to lower your price. In other words, if you want a good deal on your next auto insurance policy [no matter if you are a local driver or international driver] you will want to keep a low risk profile.
What Insurance Companies Know About International Drivers
Less overall driving experience
Many international drivers lack adequate driving experience in countries that they are visiting. For example, if you live in the United Kingdom and spend a couple years time visiting the United States, it may take you awhile to adapt to new road laws and driving conditions. Additionally, you may have been used to using a vehicle with steering on the right of the car, whereas in the U.S. – you must steer your vehicle from the left hand side. Vice versa applies to people from the United States that visit the UK. Insurers are aware that most international drivers lack experience and that it will take some time before they properly adapt.
Not as familiar with driving laws
Many international drivers are not familiar with all of the driving laws in countries that they travel to. One law in many places is that you must have car insurance as a driver. In certain countries, it is no big deal to be lacking of insurance coverage. However, in countries like the United States and the United Kingdom, you are required to have car insurance. Realize that it may take you some time as an international driver to adapt to all of the driving laws (e.g. speed limits) and to understand how people drive in the place that you will be visiting (e.g. in New York City there is going to be very busy traffic) – so it may be tougher for you to navigate a vehicle.
May be driving import cars
Many international drivers need to get import car insurance and/or modified car insurance due to the fact that they are driving a foreign vehicle. Obviously if you are driving a car that is native to the country that you are driving it in, you will not need to worry about the cost of your insurance going up higher due to an import or modification. However, many people that travel to the United States and consider themselves to be international drivers end up driving a vehicle that is similar to what they are used to back in their home country. If this is the case, and the car is a lot different than average, the insurance prices may be higher for it.
How to Get Cheaper Car Insurance for International Drivers
If you want to get cheap auto insurance for international drivers, then you will need to take the same steps as everybody else that is looking for car insurance deals. The first thing that you can do is to go out and round up a lot of quotes. Get quotes from legitimate auto insurance companies on the internet and feel free to call them to ask for more information about their policies. The nice thing about getting quotes for free online is that you can do it even before you travel to a different country. If you are going to be visiting another country for a few months or a year and aren’t going to be driving full time, you may want to consider getting a temporary car insurance policy.
It is important to realize that just because you may be an international driver does not mean that you are going to pay a lot more for your insurance than everybody else. Insurance companies are going to assess your risk and determine what kind of rate they are going to give you. If you are unhappy with the rate that you were given from one company, then keep looking or take steps to lower your perceived risk. If you do your research by reading car insurance reviews and make sure that you are buying a good policy, you should be able to get fairly cheap insurance for international drivers.