Many drivers may experience trouble getting car insurance in the U.S. You may feel like you don’t have the necessary information to make an informed decision or find it difficult to find insurance that won’t break the bank. It is common for drivers to face certain challenges, but the good news is you still have options, even if you have a less-than-ideal risk profile. This car insurance guide will help you navigate the process.
Infinity Insurance Agency, Inc. (IIA) understands the distinct challenges Hispanic communities face, especially if you're new to the system or have a unique situation. Here are the main struggles drivers may experience:
Rejection due to lack of U.S. credentials
Foreign driver’s license: Many insurance companies won’t accept foreign driver’s licenses or will charge much higher premiums.
Difficulty obtaining U.S. driver’s license: Some people who are new to the U.S. may have challenges obtaining a valid driver’s license because of their status, making it tougher to meet some insurance company’s requirements.
Solution:
Some insurance companies specialize in working with foreign licenses or Individual Taxpayer Identification Number (ITIN) holders. IIA works with carriers who accept foreign licenses and other forms of identification, such as matricula consular or foreign passports.
Finding premiums that align with your budget
You may run into prices outside of your budget or less than desirable rates.
You may think your budget restraints will keep you from getting insurance you can afford.
Solution:
IIA can assist you with finding car insurance discounts you may qualify for to lessen your overall costs.
Language & communication barriers
Miscommunication or misunderstandings: This may lead to signing up for the wrong type of policy or not fully understanding coverage.
Solution:
Choosing bilingual agencies is key to receiving the exceptional service you deserve. IIA agents are bilingual in English and Spanish, which can help you communicate your needs properly and understand what you are buying.
Lack of knowledge / confidence
Don’t know where to start: Often no one teaches you how to buy insurance, especially in a country you are new to. The U.S. insurance system can be complicated and unfamiliar.
Overwhelming terms & options: Liability? Deductible? Full coverage? It’s like learning a new language — sometimes literally. Being unfamiliar with common insurance terms can make getting insured daunting.
Solution:
There are various resources available that can help you understand insurance terminology and options available to you, especially at IIA.
Understanding why auto insurance might be hard to get
There are several common and valid reasons why it may be tough to get insurance:
Foreign driver's licenses: Some insurers charge higher prices or decline applications because they can't verify your U.S. driving history.
No previous insurance history: Gaps in coverage or a complete absence of car insurance history may factor into your car insurance rates.
Low or no credit score: Credit history, while not considered for insurance in all states, can impact credit-based insurance scores by being used to underwrite and/or rate your policy.
Less-than-perfect driving record (accidents, tickets, DUIs): Your driving record can impact your car insurance premiums. Having accidents or traffic violations may lead to higher costs.
Immigration status concerns: If you’re living in the U.S. and are in the process of obtaining a U.S. driver’s license, you may run into trouble applying for car insurance. IIA can help you if you have a foreign driver’s license or Matricula Consular.
Documents you do need to get car insurance
Gathering the documents you will need to obtain car insurance will help speed up the process.
Valid driver’s license (even foreign, in many cases)
Vehicle information: Make, model, year, vehicle identification number (VIN)
Proof of address: Acceptable documents that contain your full name and address. This can include a utility bill or bank statement.
Tip: Bring at least two documents showing your address to avoid delays.
Payment method: Payment methods may vary. Some agencies accept cash, debit, and credit cards. You can discuss options with an expert IIA agent.
Optional: An SSN, which is not always required, or an ITIN if you don’t have an SSN.
Types of insurance coverage
Each personal auto insurance coverage type has the ability to deal with different situations. Here is a breakdown of the coverage types.
Liability: Covers damage that you cause to others, such as bodily injuries.
Collision: Helps pay for your vehicle’s repairs if you are involved in a crash with other vehicles or objects.
Comprehensive: Helps pay for damage to your vehicle not caused by a crash, such as theft, fire, or vandalism.
Uninsured and underinsured motorist: Helps protect you financially as an insured driver from accidents caused by drivers who are uninsured or do not have sufficient coverage.
Rental reimbursement: Can help cover the cost of a rental car while your insured vehicle is being repaired, typically related to a covered claim.
Roadside assistance: Can provide essential services if you are stuck on the road, such as towing, flat tire change, and lockout assistance.
Where to shop for insurance
Although there are many options out there, finding the best insurance company for you can be straightforward.
Call IIA for a quote at 1-855-478-3705 where our agents can show you quotes from over 20 insurance companies so you can choose the one that fits your needs.
Get a quote online: You can receive a quote at no cost in minutes.
FAQ
Can I get car insurance with a foreign driver’s license?
Yes, IIA works with carriers who accept foreign driver's licenses.
What happens if I get pulled over without car insurance?
There are penalties that vary by state if you are pulled over without proof of insurance. You may receive a traffic citation, or in some cases, your license can be suspended, and your car can be impounded.
Can I pay car insurance monthly instead of all at once?
Yes, paying monthly is an option. Other payment plans include paying semi-annually or annually, depending on your policy.
Do I need a credit score for car insurance?
Some states allow insurance companies to factor in credit scores, and some don’t. Having insurance with less than perfect credit may lead to higher rates for some companies. IIA can help you find insurance policies even if you have little to no credit history.
What if an auto insurance company rejects me? can I still apply elsewhere?
Yes. It is common to fear rejection or high down payments, but a rejection does not mean you cannot continue looking. An expert IIA agent can help you understand insurance options that may work best for you.
Getting car insurance can seem tricky or confusing, depending on your circumstances. However, getting insured is possible and important to comply with state laws and help you manage unforeseen events. Ready to take the first step? Call IIA today at 1-855-478-3705 to speak to an agent and discuss your options.