Car insurance in the USA

PMKeates

PMKeates

PMKeates

Soldato
Joined
16 Jul 2004
Posts
14,075
Hey all,

Does anyone know whether it's possible to get seperate insurance cover for a UK license holder when driving in the United States? I'm getting absolutely fleeced on insurance cover by the car rental companies, and any possibility of reducing the $15,000 per year equivelant cost would be welcome!

Thanks!
 
i drove company cars in the states, they checked and being a group employee i was covered.

If its buisness perhaps you could get a similar thing?
 
If you are under 25 and trying to hire something interesting then 'Good luck with that' is about the best advice that can be offered. Buying seperate insurance etc etc is unlikely to prove cost effective.

Suck it up and hire a Sebring.
 
If you know someone over there see if you can borrow a car (probably not ideal but what i did) they insure the car over there not just the person driving the car so most of the time (dependant on state) you can just jump in and drive!
 
thats because a basic mustang is a gutless POS with 3 gears and limited to 112mph.

hired one before, more interesting that usual bland rubbish, but only just.
 
I hired a mustang at 21 (admittedly the 4.0 v6) for £200 for a week in Hawaii (O'ahu). This was through Budget using usrentacar.com.

This year (i'm 23 now) I hired a fully loaded Cadillac STS 4.6 litre V8 from Alamo (think it was through carhire3000). This was a little pricier (originally booked a luxury car (Lincoln town car) at £250 or so for 5 days (including one way rental fee) and I had to pay a little extra for insurance (think it was £100ish).

Best bet is to try as many brokers as possible, a lot of them will have young driver excess deals which, whilst not amazing do provide a small discount on the cost of the insurance otherwise.
 
To be honest I'm glad the UK don't practice America's car insurance. Can you imagine all those public school bratts driving daddy's 911.
 
[TW]Fox;13914977 said:
If you are under 25 and trying to hire something interesting then 'Good luck with that' is about the best advice that can be offered. Buying seperate insurance etc etc is unlikely to prove cost effective.

Suck it up and hire a Sebring.
Click to expand...
The "thing" I'm driving has over 300 hp. The trouble is that the insurance is as much as the car, though it appears to be the same regardless of car. The company I work for are paying for it all, but I want to try and minimise their costs. I could be driving it for quite a while.
Sone said:
i drove company cars in the states, they checked and being a group employee i was covered.

If its buisness perhaps you could get a similar thing?
Click to expand...
This is interesting. While these aren't company cars but just rental cars, there could be some kind of company insurance coverage. I will check that out!
 
Not sure on the exact details, one of the lads I went to school with wrote off his dads E Class doing about 120mph, then got given a 325 cab as a replacement. He had regular use of his dads X5 as well.
 
I don't see why anyone of any age can't do an advanced high performance driving cost so they can be insured fairly?

As I've said before, a 21 year old with 4 years on the track could arguably be a lower risk than an investment banker of 40 years old on an Enzo. The only difference, as Fox pointed out, is the younger driver is always more tempted to floor it a lot more often.
 
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