subject: Tips For New Usa Drivers & To Apply For Insurance [print this page] Cutting down on the number of things you have to think about when you land. One good reason for arranging something called car hire excess insurance before you leave home is best.
You may find the prospect of driving your rental car in the USA a bit nerve racking, particularly if you are picking up your car at the airport after a long and tiring transatlantic flight.
But Insurance can make you free and to concentrate on making sure that you have all of your luggage and family safely in the car before setting off for what could be your first experience of US driving. Ease your way into the local driving customs.
Some Tips:
Keeping you on mind, to help you on your way, here are a few tips for things you have to do correctly:
*Drive on the right side.
*Always obey the speed limits as penalties can be steep usually 65 mph maximum on freeways and outside of urban areas or as specified in towns.
*Individual state laws may differ from state to state its worth thinking about it, if you plan to cross a state line.
*In few cases some rental car insurance may not support crossing state lines, its worth checking out this could impact your cover.
*Also remember that what in the UK we would call undertaking is legal on US freeways.
*Dont overtake school buses, especially if the lights are flashing.
*In some states turning right when the traffic light is red is in fact perfectly legal, so be careful while driving.
*Keep in mind that the USA is not the UK some parts of the country are desert or mountain wildernesses and can be dangerous if you and your vehicle are not prepared for the prevailing conditions.
*Most US hire cars are automatics brush up on the technique before you go, it will be useful.
Car Insurance:
*Same as UK and most parts of Europe, in USA also, your hired car may come with very little if any insurance included in the basic price. But if serious concern is left unresolved- the US courts can make staggeringly high awards following accidents. If youre not insured you will have to find the money from your own financial resources.
*Protect your bubble, offer car hire excess insurance specifically tailored for the USA, also so as to supplement only very often limited insurance is offered as standard by the car hire companies.
*You can cover the risks of needing to pay out additional sums for third party claims by taking out our supplementary liability insurance (SLI) and sometimes very large excesses on the hire companies policies through your car hire excess insurance.
*The requirements for auto insurance vary from state to state. Check with your state insurance regulator to learn more about individual requirements, as well as check your insurers considering for your policy.
*To get the best coverage at the best price, get several quotes from insurance companies. It may save you hundreds of dollars a year. Other ways to reduce your insurance premiums are:
1. Raise your deductibles on collision and comprehensive coverage. If you have an old car, you might want to drop these coverage altogether.
2. Take advantage of discounts. You may be eligible for a discount based on the number of miles you drive;
*When your age is turning 25 or 50; you get good grades.
*If you are a student, & if youre driving record has no moving vehicle violations or accidents in three years; or if youve taken a safe-driving course.
Then you might be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company have anti-theft devices or have safety features such as air bags or anti-lock brake system.
Insurance Tips:
*When shopping for insurance on the Internet, check that the website is secure. Look for the lock icon, a URL that begins https: and never provide personal data if you dont trust the site.
*Be wary of people selling insurance door-to-door and over the telephone.
*Always be suspicious if, after an accident, a stranger contacts you to offer
1. Quick cash,
2. Recommend a particular attorney,
3. Mechanic,
4. Healthcare provider.
But report the incident to your police department.
*Never give your insurance identification numbers to companies you dont know.
*Carry a disposable camera in your glove compartment. If you involve in an accident, take pictures of the damage and the people involved. Ask for names, telephone numbers and drivers license information for all those involved. Getting contact information for any witnesses is also a very good idea.
by: Augustine Joseph
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