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Posted 4 Months, 2 Weeks ago
gruman
Senior Boarder
Posts: 70
graphgraph
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Hi there, I am a British student (and citizen) and I am planning to head to America in the summer to work on a summer camp, I then plan to travel the length of the west coast then travel to Canada to work a ski season. I have my heart set on buying a car but am unsure on how I would arrange insurance. Does anyone know of any US companies that would insure me? Or know of any sites with second-hand car buying information.

Any advice would be much appreciated
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Posted 4 Months, 2 Weeks ago
Daelyte
Expert Boarder
Posts: 82
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US auto insurance is, AFAIK, completely privatized. You may have trouble without a permanent residence/address. Quotes will vary wildly, and to an extent will depend on what address you give (e.g. I live in a rural area and although I drive more, I pay less than an urban dweller).

You MIGHT have better luck getting a car in Saskatchewan or British Columbia where auto insurance is government-run.

Be sure NOT to buy the minimum liability. Most of these are preposterously low in the US (it used to be $10,000 in Florida, for example) and wouldn't cover much of anything. Most policies will cover you for the minimum statutory amount in another jurisdiction (for example, the Florida policy above would cover the minimum allowed in Nova Scotia, which is 500K).

Be sure the policy covers you in both countries.

Get a driver's abstract - certified if you can - from the UK since you will be asked about your history.

Finally, be aware that most jurisdictions here distinguish between PL&PD (third property collision and injury), Comprehensive (non-collision damage or loss to your own car, such as fire, theft, or vandalism), and Collision (damage to your own car from an accident for which you are partially or entirely at fault). PL&PD is mandatory, others are usually optional. You can also usually pick your deductible (excess) on the optional coverages. If you are driving a backpacker's car, the optional coverages are usually more expensive than they are worth.
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Posted 4 Months, 2 Weeks ago
ORSkywatcher
Senior Boarder
Posts: 69
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I am a Canadian citizen, and as a skilled tradesperson, my services are needed to help rebuild the communities hardest hit by the 2004 hurricanes. I own a classic 1960's muslecar, in pristine condition. When I recieve my working contract, I intend to put my bicycle, and luggage into my back seat, and journey to my new home. I will have a very permenant residence, as my hiring company has agreed to supply myself, and the other tradesmen with three bedroom condos. I have been told by my representative in the labour pool that, though I must vacate the U.S. for one day every six months; my contract could last as long as five years. Naturally, I will be storing my car in a garage, and flying home, or abroad to satisfy the U.S. government at least once every six months. My question is this: What lengths would I need to go to in order to cancel my Canadian insurance once I arrive? My goal is to find an insurance company that will cover me for comprehensive insurance on my vehicle, with zero collision insurance; but granting me fire, theft, and vandalism coverage. As well, if it is easilly attainable, I would also like to be covered for such things as an act of God, whereby my vehicle is covered in regards to weather damage, hail, or lightening strikes. Any response would be greatly appreciated! Dan
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