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When compared to cars made in the US, it can often be more expensive to insure foreign-made vehicles. Most imported cars use nonstandard parts that need to be shipped from overseas at extra cost, and specific manufacturers can be lacking service facilities particularly outside US city centers. Plus, imported cars are often modified or otherwise nonstandard, which can further raise the price.
You’ll need to bear some of these costs, but there are ways to keep down costs:
Getting coverage for imported cars is, in many ways, more difficult than it should be.
Assuming your import meets standard federal and state regulations for the car to legally drive on US roads, you should be able to find insurance for any imported car. A few examples of imported cars you can bring into the US include:
Find the cheapest imported car insurance after getting several quotes from standard insurers with cover for special vehicles. Then compare these with the quotes provided by specialist insurers.
Depending on your vehicle, the insurer and the cover, you could find a small price difference, or an enormous difference of 50% or more.
It always best to find a list of standard providers and get quotes. Contact several insurers with your inquiry and write down the quote so you don’t forget. Once you have those prices, move on and get quotes from the specialists.
Specialist insurers are often focused on providing cover for people who are truly passionate about cars. Although the vehicles can be more powerful and driven at higher speeds, the drivers themselves are often highly experienced, safety-conscious and know how to look after their car.
This has the effect of lowering risk levels, and letting specialist insurers offer prices that standard providers can’t.
Specialist insurers will generally offer a variety of extra benefits which set them apart from standard providers, and each other. Consider the relevant coverage factors below, as well as the price.
Even with specialist insurers, you’ll still be subject to many of the same pricing effects and conditions as with standard providers. It can be very useful to have a general understanding of how these work.
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