Being treated as a “new driver” by car insurance

[arken 4,197]

Depending on the provider you may get new driver quote even if you are above 25 and you got US issued DL recently. New Driver insurance rate may last for a few years.

 

When I came to US, I brought the “Driving Record” from my country’s DMV equivalent. Upon presenting that driving record, foreign DL and newly issued US DL to the insurance provider, I was quoted good rate under experience driver with no accidents/violations in last 6 years. 

 

May be try providing driving record along with foreign DL to your insurance provider and see if they reduce the premium.

[bird&bear 43]

3 hours ago, arken said:

Depending on the provider you may get new driver quote even if you are above 25 and you got US issued DL recently. New Driver insurance rate may last for a few years.

 

When I came to US, I brought the “Driving Record” from my country’s DMV equivalent. Upon presenting that driving record, foreign DL and newly issued US DL to the insurance provider, I was quoted good rate under experience driver with no accidents/violations in last 6 years. 

 

May be try providing driving record along with foreign DL to your insurance provider and see if they reduce the premium.

I second this suggestion! A couple months back, I enquired with my broker about adding my husband to my car insurance for a temporary visit, and an NZ driving record was requested. This was in Orange County, same as OP.

 

OP, $4000/yr seems high even for OC, even for Irvine/Newport--the land of Teslas, Maseratis, Mercedes, etc lol. When/after talking to your broker, I'd check out AAA as well, as several people have recommended them to me for their reasonable pricing, within OC.  Good luck!

[Lil bear 4,283]

On 7/8/2019 at 3:31 PM, Falcon Cara said:

I have never heard this anyone having to prove non us driving history,  What insurance?  That is stupid, The ones I know go on age and gender to determine rates

We were required to obtain a certificate of insurance from our Australian insurance carrier when we first signed up in MO 

[Ontarkie 14,369]

Shop around, there are many companies that compete and just maybe you can find a better rate. 

[Steeleballz 7,550]

On 7/15/2019 at 6:23 PM, Ontarkie said:

Shop around, there are many companies that compete and just maybe you can find a better rate. 

 

   I remember when my wife got here, State Farm considered her a new driver because there was no US driving record and they gave us a crazy quote. We tried All State next and they just asked how long she had been driving and she answered 8 years and they put that in the computer and we got a much lower rate. I don't know that any of these companies has a specific policy for how they verify driving history and what proof they need. It just comes down to the agent some times and how much they want to sell the policy. Shopping around is good advice.