Where to Find Insurance for International Students
The majority of universities and
colleges have programs to help international students with accommodating
immediate needs such as purchasing car insurance. They will assist the
student in finding an insurance provider that won’t insist the student
have a minimum of three years of driving experience before being able to
cover their vehicle with their insurance.
Some
insurance companies do count the international student’s driving
experience in his or her native country and will offer a rate comparable
to that of someone who is a United States citizen. Also, before the
student leaves their country, they should make sure their international
driver’s license is up-to-date and clear of any fines or warrants
You will definitely need to make sure
you have some form of international student car insurance. It may seems
confusing and overwhelming to deal with, but if you keep a few major
tips in mind you’ll find it a lot easier to navigate the world of
international student car insurance and get the protection that you
need.
Tips for International Students Car Insurance
- Choose a company that doesn’t penalize international students – as Steven Ellise Enterprise reports, many insurance companies will only offer lower premiums and high coverage to individuals who have driven in the U.S. for at least three years. Unfortunately, there aren’t that many companies who count driving experience in other countries as qualified experience, so do your homework and seek them out. In the long run, you’ll be glad you did.
- Look into collision and comprehensive coverage, not just liability – By going with liability insurance, you’re going with the bare, legal minimum, but it only covers passengers or property that you damage in an accident. Collision will cover repairs to your vehicle if you’re involved in an accident and comprehensive will help you recover losses if your car is stolen or destroyed in some other way not related to a crash. Know the differences, as well as the area you’ll be living in, to determine the best coverage for you as an international student.
- Look for fixed rates – As Ezine reports, some companies offer fixed rates for a certain length of time, meaning that your rates won’t go up even if you have an accident. Look for the longest period possible!
- Have an updated international driver’s license – This will allow you to drive in the U.S. as well as at home with out having to register for just a U.S. license. And make sure that it is valid for at least six months after your stay ends so that you stand a better chance at getting reasonable international student car insurance rates and coverage.
