- Car insurances can often only be arranged if you already have your Social Security Number (SSN), but there are exceptions (in my case: Farmers Insurance)
- To be on the safe side, policy limits of 100/300/100* and Collision & Comprehensive Coverage make sense, meaning:
- 100,000 per person for bodily injury
- 300,000 per accident for bodily injury
- 100,000 per accident for property damage
- More on About.com - What are the best liability policy limits?
- Make sure to have also 'Uninsured Motorist Coverage' - I have witnessed an accident myself, where the perpetrator tried to run away, because he did not have sufficient coverage, so the victim would not have gotten any compensation without UMC
- Rate comparison:
- Before you sign a contract, check customer rating satisfaction with insurance companies at J.D. Power & Associates
- These factors can help to lower the insurance premium:
- SSN & US driver's license (e.g. -10% retroactively)
- English proof by previous car insurance that you were not involved in any accidents in the last years
- Many other criteria (e.g. job or garage):
Mint - 8 Car Insurance Discounts You Need to Know About - Check every once in a while if it's worth to change the insurance, especially if you arrived recently in the US it gets cheaper from month to month
Image by evoo73 via Flickr
