USA Car Insurance

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Sun 10 Nov 2002 23:18
USA Car Insurance - Marcus
I have always understood that in the USA all cars had to be insured for any driver, and friends in the USA have lent me their cars without notifying their insurance company.

I am buying a property in Florida to use as a holiday home. Apart from myself, my family and friends will use it. I have been contemplating buying a car to leave there for the use of anyone visiting.

To get some idea of insurance costs I got quotes on the internet from a couple Florida motor insurance companies. These required me to name and give details of up to 4 drivers. The more drivers I named the higher the premium.

Does anyone know the exact position on Florida Motor Insurance?

Marcus

PS.
If T Lucas could give me the name of the firm that leases his pal Plymouth Caravans for $99 a month I would go for that option. See thread "Back from the USA"
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Mon 11 Nov 2002 09:56
USA Car Insurance - T Lucas
The dealer would have been local to Oldsmar,probably one of the big outlets that are in the Bay area.The deal was for 36 months from about March '98 and knowing the way my friend has just about zero intrest in things like latest model,best colour,and number of toys was probably a runout model from the previous year.I dont know how you would get on qualifying for best rate finance as you are not a 'Florida Resident'.Just to give you a picture of the way my friend and his wife operate,they always cut money off coupons out of any publications,she will sit thru timeshare presentations for free tickets to any attractions,they will always eat in places that are offering free kids meals etc.For his work commute car he has got a Daewoo Nubira with a manual gearbox,because it was advertised at very low enticing price,the Daewoo dealer not expecting anyone would actually want a manual car!If you want to buy rather than lease,one of the best outlets i have seen is when the rental companies de-fleet and offer the cars direct to the public,can be some very cheap cars.Joe public,quite rightly is not allowed into car auctions,keep the action for the dealers!Also remember colours or specs that you would not want in the UK can be very popular in Florida.If you do your research and are very careful i am sure you can find a very good deal.
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Mon 11 Nov 2002 15:51
USA Car Insurance - mab23
In my experience you can't get US car insurance unless you are a US citizen/permanent resident or at least have a US drivers licence.

As I am a UK citizen with a UK driving licence, I have got third party insurance from AIG before now - this was about 3-4 years ago.

See www.insuranceexchangeonline.com/autoUS.htm

mike
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