International Student Auto Insurance in New York?
Reader’s Question:
I am French college student and I will be visiting my friends in New York for a 6- month holiday. I will have permission to drive my friend’s vehicle but want to know what I should do about the auto insurance?
Allen
Babylon, New York (NY)
In New York State, auto insurance is mandatory and you may find it to be expensive if you do not have a U.S. license. Some insurance providers add a surcharge if you do not have a U.S. driver’s license.
I would first recommend seeing if your friend’s insurance carrier will allow you to be put on his/her policy while you are in visiting. If not, shop around, many car insurance providers will allow you to begin your insurance with an international license but would require you to get a State driver’s license within thirty days.
Cheapest Albany New York SR22 Auto Insurance?
Q: How do I find the cheapest Albany SR22 insurance?
A: It depends on how you want to do it, but it shouldn’t be very hard for you to find cheap Albany SR22 insurance. Either you can look yourself, or you can get an agent to do it for you.
If you get an agent, you should make sure it’s an independent agent and not a captive ones. Captive agents only sell policies for one company. An independent agent works for five or so companies and can look among them for the best Albany SR22 insurance deal for you. If you hire an agent, you can be assured that you have someone who knows a lot about insurance to help you. It might be a good idea for those who don’t have time to do the research themselves.
Doing it yourself isn’t so hard, though, nor does it take a lot of time. You can go online and get 15 Albany SR22 quotes from an instant quote website in the same number of minutes. After that, you check in for a few more details about the companies with the best quotes, pick out your favorite, and purchase your car insurance online.
New York City SR22 Auto Insurance
Q: I live in NYC, and due to things like traffic and good public transportation, I don’t end up using my car so often. I do still need it, though, for when I need to go out of town or to places the subway doesn’t reach. How can I get my New York City SR22 rates to reflect that?
A: The first thing I would do is to cut my coverage on the policy to as low as is legal. Since you hardly use your car, you don’t really need to be worried about the risk of having low coverage amounts.
After that, see if your car insurance company has a low mileage discount which can be applied to your SR22 premium. Low mileage discounts are amazing for people in your situation, and they can often take between five and twenty percent off of your premium, depending on who you’re insured with. Usually the requirement is that you drive less than five thousand miles a year, although some companies have it at forty miles a day. Call your car insurance company to see how they measure it.
Another thing that might score you a five percent discount is your use of public transportation. Not very many companies have a discount for this, but some do and it doesn’t hurt to ask.
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