Many immigrants discover that even though they have years of driving experience they are treated as though they were a new driver. The reason for this is that driving laws in the United States differ widely from the laws used in other countries, and insurance companies expect there to be a learning curve for all new immigrants they insure.
It is also important for the immigrant seeking car insurance for the first time to make sure that they understand the policy they are buying. It is not enough to answer yes to all the questions. The immigrant needs to know what kind of coverage they are purchasing, make sure that they are buying the coverage they need. For example, even though personal injury protection is not required in all states, the immigrant applying for coverage may not know this, and find themselves injured in an accident with no way to pay for the resulting medical costs.
Immigrants are eligible for discounts just like everyone else. Married people receive lower rates than single ones, and your occupation and education level are also important. Immigrants need to be aware that they can save money by living in a safe neighborhood, or by parking their car in a private garage at night. Taking advantage of the discounts that are available is crucial to getting the best price on insurance coverage.
The best place for an immigrant to start researching auto insurance is to use an online car insurance quote site. This lets the immigrant go through the process slowly, backtrack to find out what things mean, and look at how the different parts of the policy work together. Insurance can be a complicated and confusing process for the new immigrant, but using a website to get insurance quotes will help them understand better what it is they are purchasing.