How to Get Car Insurance in the US

how to choose car insurance

A Guide on How to Get Car Insurance in the US for International Students

For international students and expats, the hardest part is over after choosing a lender and a car. But finding the correct car insurance coverage is also important. With so many details to take into consideration, you may be asking yourself: How do I get car insurance in the US? Don’t worry, we’re here to help.

You may have begun to find the process of buying a car in the US difficult. Finding a lender that would approve you for a car loan without credit history or a SSN could pose a challenge. Fortunately, there are lenders such as Lendbuzz that specialize in helping internationals purchase cars in the US.

If you’re ready to buy a car in the US or have already bought a car, you should know the answer to the following questions.

What is car insurance? Why do I need it and how do I get it in the United States?

 

What is car insurance?

Your car insurance, also known as auto insurance, will be the group of policies that will protect you as a car owner and driver. If you get into a car accident, for example, your car insurance pays to fix your car.

Is car insurance mandatory?

Getting at least a minimum car insurance is mandatory in nearly every state in the US. So it’s definitely something you need to have. You might be wondering why car insurance is mandatory in the US if health insurance sometimes isn’t.

How does car insurance benefit me?

Getting a comprehensive car insurance policy will protect your car, yourself, and others in the event of a car crash or accident. Depending on the type of car insurance you chose, the amount of money you’ll pay out-of-pocket after accidents will vary.

How do I choose the right coverage?

Choosing car insurance can be an intimidating process. There is no single type of insurance. You can get different amounts of coverage. Additionally, car insurance is offered by hundreds of private companies nationwide. Since there is an overwhelming amount of choices, first you’ll need to know the types of coverage available.

 

What are the most common types of coverage?

Auto liability

This type of coverage will pay for damages if you’re responsible for injuring someone or damaging another car during a car accident. Auto liability includes bodily injury liability and property damage liability.

Bodily injury liability: covers damages related to another person such as medical bills, lost wages from missing work, etc.

Property damage liability: covers damages to others due to loss of property.

Personal Injury Protection

This covers your own medical expenses for treatment needed due to a car crash.

Medical Payments

This covers medical and funeral bills resulting from a car crash.

Collision

This covers damages caused to the car by a crash collision.

Comprehensive

This covers damages to your car that are not caused by collisions. Such damages include natural disasters and theft.

Gap Insurance

This type of coverage is aimed at people who have financed or leased cars. If the driver gets into an accident and the car is totaled, gap insurance can cover the difference between the current value of the car and the amount owed.

 

Where can I get car insurance?

You can purchase car insurance from independent insurance agents, big national insurance companies, and direct insurance sellers. Your insurance rates will vary depending on your driving history record. Insurance agencies will take into consideration how many miles you’ll drive to work or school and if you’ve gotten into car accidents in the past. The type of car you drive will also affect your rates. Also, you can get discounts if your car is modified for safety. For example, do you have tracking devices or safety features installed?

choosing comparing car insurance in the us MagicQuote App

How can I compare car insurance providers?

You can request quotes and manually compare rates for car insurance providers by visiting their websites. You could also save time and use insurance comparison tools such as MagicQuote.

MagicQuote is an insurance comparison app that you can install on your mobile device. You can scan your driver’s license and input your car’s VIN number to bypass the lengthy quote application process.

Then, MagicQuote will ask you a few questions to determine which provider and what type of coverage is best for you. For example: Do you already have car insurance? How much coverage do you want? Who will be driving the car?

MagicQuote will then match you with insurance providers and show you several options along with their cost.

For those concerned with sustainability and leading an eco-friendly lifestyle, you’ll be pleased to hear that MagicQuote is a One Tree Planted partner. This means that for every insurance policy purchased through MagicQuote, a tree will be planted to help reduce vehicular carbon footprints.

 

If you need more information on how to get car insurance in the US, visit this post. There you’ll learn of all the documents required to get international student car insurance.

Also available in: Chinese (Simplified)