If you plan visiting the United States as a tourist, buying a car and insuring it there is possible. But the procedure is not easy, and you won’t be able to do it as easily as Americans do. Sometimes car insurance USA for foreigners is challenging.
There are various reasons why one would want to purchase a vehicle while being in the U.S. For instance, if you visit the country for middle or long term, it could be beneficial for you to buy an auto first and then sell it before leaving a country. However, this only one option among many. You can also find some other solution on how to organize your transportation given that acquiring insurance with no U.S. driving license may be quite difficult.
Below we are considering some important aspects of this situation.
How to buy a car in the United States?
It is quite likely that you will able be to buy a car from a dealer if you are a tourist. But you can also opt for purchasing a car from a private person. In the second case, you must make sure that your private seller has valid ownership and other documents for the auto.
To complete their deal in compliance with all existing regulations, both buyer and seller of a vehicle must visit their local office of the state motor vehicle bureau. There it is necessary to sign some documents and register the vehicle with the new owner. A registration fee and tax for buying the car should be paid by the buyer. Besides, the buyer can also buy plates for his car at this stage.
After all these documents are signed, the new owner of the car must keep a copy of the auto’s registration as well as a document that proves that his car is insured inside the car for all the time. This is a required step for car insurance USA for foreigners.
How can a foreigner insure his car in the USA?
The first step consisting in buying a car without having an American driver license is not difficult at all. However, insuring your vehicle according to all the existing regulations can be really hard. There are many cases when an insurance company from the USA will require you to provide a driving license issued in the U.S., and only after this it will issue an insurance policy. Some insurers will just refuse to provide policies to those who are not residents of the U.S. There is also a category of insurance providers who will ask you to pay much higher rates compared to the rates offered to the residents of the United States.
Legislation of most parts of the country requires car owners to have bodily injury liability coverage with them. This type of coverage is designed to protect a driver and passengers of other autos in case of an accident. If an accident occurs, this kind of insurance will cover expenses on medicine, funeral, lost wages, and any other expenses that occur because of injuries in accidents. And if those expenses exceed the limit of the policy (less the deductible), a driver at fault must cover all these expenses by himself.
Regardless of having an accident or not, driving without insurance appears to be a criminal offence in the United States. Different states provide different penalties for this offence, so you can end up with anything from fine to seize of your vehicle. That is what can happen if you don’t acquire car insurance USA for foreigners.
Insurance companies from the USA want any car owner to provide them his valid address in the USA. Only after this, they will issue insurance for him. You should solve the issue of acquiring insurance before legally registering your vehicle. If you are going to stay in the United States for a long time and drive a car there, you should deal with the problem of car insurance before coming. If you don’t do this, you may then find out that arranging insurance is impossible.
How to choose vehicle insurance?
Good news for those who plan visiting the United States of America is that they can start choosing their future insurance before coming to the country. You can search for different companies, coverage, and policies online using the Internet. The best decision would be to start searching for the best insurance options long ago before leaving your country and visiting the U.S. By doing so, you can make sure that an American insurer will provide you insurance. Besides, that’s how you will be able to estimate possible expenses on your insurance.
There are some basic things to do to choose an appropriate insurer in the United States. The first thing to do is to visit websites of different US-based insurance companies in order to find out whether or not they can offer you the coverage you need. At this point, you will have to know what model and make of vehicle you are going to buy after coming to the USA because certain quote will depend heavily on these factors. Your future insurer may ask you several questions, for example, what your plans are. Only after this, the final decision on the provision of the insurance will be made. However, the first thing you should clarify is whether this company is ready to provide car insurance to a foreigner.