Types of car insurance in America
Car insurance in the United States is a form of insurance that pays compensation to the injured in the event of a traffic accident. Car insurance in the United States is divided into two main types:- Civil Liability Insurance: This type of insurance covers damage to another person's car or property in the event of an accident.
- Special Damage Insurance: This type of insurance covers damage to your private car in the event of an accident.
Civil liability insurance is mandatory in all US states. Special damage insurance is optional, but highly recommended.
Car insurance prices in America for expatriates online
Car insurance rates in the United States depend on a variety of factors, including:- Driver age and mandatory history: Insurance rates tend to be higher for younger drivers with longer mandatory history.
- Type and year of car: Insurance rates tend to be higher for newer and luxury cars.
- Driver's traffic record: Insurance rates tend to be higher for drivers with a bad traffic record.
- Driver's location: Insurance rates tend to be higher in areas where the accident rate is higher.
The cost of car insurance in America for expatriates online
There are a number of things drivers can do to lower the cost of car insurance, including:- Drive safely and avoid accidents: This will improve the driver's traffic record, which may lead to lower insurance rates.
- Get insurance from a reputable insurance company: Some insurance companies may offer better rates than others.
- Compare insurance rates from several companies: Prices may vary greatly from one company to another.
- Get discounts for insurance: Some insurance companies offer discounts to drivers who get good grades or take advanced driving classes.
Car insurance tips in America for expatriates online
Here are some tips for choosing the right car insurance:- Compare rates from multiple insurance companies: Prices can be compared online or through an insurance agent.
- Read the terms and conditions carefully: Make sure you understand the terms and conditions before signing any contract.
- Request special quotes: Some insurance companies may offer discounts for students, teachers, or government employees.