Charles Shien : I’m a new resident in the U.S, can I transfer my driving record from England?

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Response : There are always issues which you need to settle when you move from one country to another. One of the concern is getting your driving license and whether the driving license from another country is going to be transferred or you need to get a new one. Basically in US a person from another country starts with a new record.

For many people who have moved to the United States from another country, one of the main concerns is whether or not their foreign driving record will transfer over. As new citizens quickly find out, your foreign driving record doesn’t transfer over at all in most situations. Those who have moved from another country basically have to start their driving record in the US with a clean slate. Unfortunately, when it comes to purchasing a car insurance policy, that likely means that you won’t be eligible for the lowest rates, at least initially.

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Some insurance companies may try to attain information about your foreign driving record to help determine your rates, most will wait until you have a verifiable record within the US. Since your driving record is one of the primary factors involved with determining insurance premiums, you’ll likely be stuck with high auto insurance rates. You might be rated as a high risk driver. Some insurers treat foreign drivers like teen drivers, since they’re essentially still learning the rules of the road in a new country. Keep in mind, you’ll likely need to obtain a valid state driver’s license before or soon after you purchase an auto insurance policy as well.

After a couple years of driving, you’ll have the opportunity to establish yourself as a safe driver and possibly become eligible for low auto insurance rate. It would be best to compare auto insurance quotes online and find out the insurer who is providing the low auto insurance rates. Pick up the phone talk to the customer service for the insurer and once again clarify your situation, before you actually buy auto insurance.

Talk to your specific insurance provider for more information about transferring your driving record over from another country, as some companies may be able to work out a deal for your premiums. Of course, there are other factors that can have an effect on your insurance rates, regardless of whether or not you have a driving record.
You can find out lots of information related to US uto insurance on this blog. Do not hesitiate to ask questions if you have any doubts.
All the best.
Kamlesh.

Keith : What is considered a safe car from the insurance purpose?
Response : Keith, this is an excellent question. Insurance will consider a car which has high safety standards as safe since this would ensure that the persons would be safe. This is a very vast topic and so for now will touch only on the main features of the car. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car:
a)Crashworthiness: Reduce the risk of death and serious injury in case of an accident http://www.highwaysafety.org
b)Vehicle structural design : A good structural design has a strong occupant compartment and front and rear ends are designed to buckle and bend in a crash to absorb the force of the crash. These crush zones should keep damage away from the safety cage because once the cage starts to collapse, the likelihood of injury increases rapidly.
c)Vehicle size and weight : The laws of physics dictate that larger and heavier cars are safer than lighter and smaller ones. Small cars have twice as many occupant deaths each year as large cars. In crashes involving smaller and larger vehicles, heavier vehicles drive lighter ones backwards, decreasing the forces inside the heavier car and increasing them in the lighter car.
These are the basic features which should be kept in mind. Compare cars before buying them and always compare auto insurance and reveiw car insurance once you have a car.