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Topic

What vehicle insurance do you recommend?

Problem / Need advice
#1
  • k
  • mail
  • 2021/09/19 11:12

We are currently in the process of purchasing a car and insuring the vehicle for 6 months while we are in the US.
The price is about $700 for six months ( No personal warranty for theft or personal negligence, only bodily injury ) so we are looking to reduce the cost a bit.
The period of stay will be 2 years from now and the vehicle is a 2010 Japanese car.

I would appreciate your advice on your recommended insurance companies, plans and costs.
I have been licensed in Japan for over 10 years, but I have no driving history in the US.

Thank you for your time.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#2
  • 飛脚
  • 2021/09/19 (Sun) 16:45
  • Report

There seems to be NEW CENTURY, MERCURY, FARMERS,
ALL STATE, PROGRESSIVE, and others on the internet,
if you open the website from one side to the other and check.

If you go through an agent's office, it will be more expensive.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#3
  • 倍金萬
  • 2021/09/20 (Mon) 09:33
  • Report

If it is only a low paying auto insurance company, AAA would be a good choice.

AAA does not use agents and is therefore considered cheaper.

On the other hand, if you go to an agent who speaks Japanese because you are not fluent in English,
they will look at you and treat you very kindly, but they will choose the highest price for each item
and the price will be outrageous. The higher the price, the better the commission
the agent gets.

The lower the Deductible, especially if you have to pay it yourself in the event of an accident, the higher the insurance amount.
Also, the higher the coverage amount, the higher the insurance payout. No one wants to have an accident, but if you do,
you'd better be prepared for a big payout.

You might want to study the AAA website first. If you can manage to read and
understand English, then go for it.


https://www.ace.aaa.com/insurance/auto-insurance/cmp/sem/ca.html?pmed=DPM_CVG_AuI_CA_SD_MSN_BD&dc=bingbrand&ctcampaign=547&utm_campaign=357831848&ctkwd=aaa%20insurance&ctmatch=e&ctcreative=81157765327097&ctadpos=&gclid=3e3a8084efa71739b616e1cc5fbbeebd&gclsrc=3p.ds&msclkid=3e3a8084efa71739b616e1cc5fbbeebd

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#4
  • 無知
  • 2021/09/20 (Mon) 09:51
  • Report

Don't be fooled, AAA is the most expensive
By the way, your driving record in Japan should be evaluated.
By the way, be careful with cheap insurance companies. Even if the other party is at fault, if the other party's insurance company is a big one, you may get a 50-50 split.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#5

I give them AAA because of their quick response.
When I had an accident and had to scrap a car that I was paying a loan on, they covered all the remaining payments and did it pretty quickly, which was very helpful.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#7
  • k
  • 2021/09/21 (Tue) 15:48
  • Report

Thank you very much for your kind and detailed information. It was very helpful.
We would be happy to discuss any further questions you may have.

Thank you very much.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#8
  • 倍金萬
  • 2021/09/25 (Sat) 10:44
  • Report

Mr. Whip,

> Don't be fooled, AAA is the highest

On what basis ?


> By the way, Japanese driving history should be evaluated. There should have been a section to fill out

Is there such an insurance company in the US? There should be no such thing at the insurance company level. I am sure that State Farm, All State, and other major insurance companies do not have such a thing.


> Be careful of cheap insurance companies

That is true. I've never heard of some of these companies, but they charge low premiums, but they don't investigate accidents very well, and they pay very low rates.

Basically, the higher the deductible you pay in the event of an accident, the cheaper the insurance will be. Also, if you are the at-fault party in an accident, the other party will take this opportunity to rush to a small hospital like a private practice and collude with them to charge you an eye-popping amount of money.

I once rear-ended a car in front of me. The other car had some damage to the rear bumper, but two Latin ladies were in the car and they came out of the car after the accident, and since we were the major insurance company, they filed a $ million dollar claim for severe whiplash. I guess this insurance company is also good at such cases, because in the end I only paid a few hundred dollars for the part that was not covered by insurance.

State Farm:

https://www.statefarm.com/

All State:

https://www.allstate.com/landingpages/lsp/auto-brand-general-desktop.html?CMP=KNC-T1-NA-DSK-MSN-AU-MISC-B-070245-200515:allstate&TFN=&CAMPAIGN=444490000070245&adgroup=58700002701461385&affcode=p23230483323&ad=76622364647070&s_kwcid=AL!9024!10!76622364647070!76622254099813&msclkid=5e16ef017b9d165ed73f8e4e251ce96e&gclid=5e16ef017b9d165ed73f8e4e251ce96e&gclsrc=3p.ds

AAA:

https://www.ace.aaa.com/insurance/auto-insurance/cmp/sem/ca.html?pmed=DPM_CVG_AuI_CA_SD_MSN_NB&dc=bingnonbrand&cp=allstate&ctcampaign=547&utm_campaign=357846883&ctkwd=all%20state%20insurance&ctmatch=e&ctcreative=81570082272085&ctadpos=&gclid=603687b0fd7613b1feb0e6ffa3f78bfe&gclsrc=3p.ds&msclkid=603687b0fd7613b1feb0e6ffa3f78bfe

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#9
  • 人生はバクチ
  • 2021/09/25 (Sat) 12:21
  • Report

I found
I want to come to the US for 90 days and buy a car, on the information board.
I can buy a car with an international driver's license as long as I pay for it
What about the address to have the registration card sent to?
Will they use the hotel where they are staying?

I was just wondering.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#10
  • 無知
  • 2021/09/25 (Sat) 14:35
  • Report


You mean Musashi on the info board ?
No one will sell it to you even if it's loaded with cash.
If I were you, I'd be too scared to sell. Without an address, you're still unregistered, and even if you sell, you can't provide proof of sale to the DMV, so the taxes will always be there. I'd be too scared to sell it
and if you don't have an address, you can't even get insurance.
Even if you know someone and can rent an address, only an agent in Santa Monica will sell you car insurance with an international license


# 8
You think you're talking common sense, but every post is 30 years old. You think it's common knowledge, but you need to realize that everything you read is either 30 years out of date or just an idea you came up with. You're a hermit, you have all the time in the world.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#11
  • ざこ
  • 2021/09/25 (Sat) 14:44
  • Report

> > By the way, your driving history in Japan should be evaluated. There should have been a section to fill out

> Is there such an insurance company in the US? There should be no such thing at the insurance company level. I'm sure State Farm, All State, and other big companies don't have such a thing.


I don't want to be an idiot and ignorant, but this is true.
When I joined AAA 10 years ago, I got an accident-free certificate from Japan, translated it into English and sent it to them. I am inexperienced in driving in the US, but I was gold in Japan. "There should definitely be no such thing," you say wrongly, Mr. Baikin. Well, I think ignorance is more foolish.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#12

People who want to buy a car for a 90-day stay, I think they are probably coming with the intention of staying. Otherwise, they would not think of buying a car. Sorry if I'm wrong.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#13
  • 海外に行ったら同胞には気をつけろ
  • 2021/09/25 (Sat) 17:31
  • Report

Come here without a visa and try to stay illegally. If you have that much guts, you will be successful in the US.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#14
  • 人生はバクチ
  • 2021/09/26 (Sun) 13:26
  • Report

If Japanese driving history is valued
I wonder if practical skills are exempted when getting a driver's license
since Japanese driving history is valued.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#15
  • クサッ
  • 2021/09/26 (Sun) 14:56
  • Report


Not the DMV, the insurance company.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#16
  • 2021/09/26 (Sun) 15:01
  • Report

Old Showa-era people are always out of sync.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#17
  • 人生はバクチ
  • 2021/09/26 (Sun) 16:35
  • Report

I wonder if insurance will evaluate your Japanese driving history
and not your practical skills.

# 16
You have a mean streak too.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#18
  • Look World
  • 2021/09/26 (Sun) 19:34
  • Report

17

Don't goof around here and ask questions, call the DMV and ask.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#19
  • 人生はバクチ
  • 2021/09/27 (Mon) 07:26
  • Report

# 18

I don't understand why I have to write and ask about other people
.

If insurance will take your Japanese driving record,
they will take your Japanese driving record when you take the practical test....

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#20
  • DMV
  • 2021/09/27 (Mon) 07:58
  • Report

Even if there are exemptions in other countries, there are still paper drivers.
In Japan, the steering wheel is reversed and the examiner still has to check the practical skills.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#21
  • 倍金萬
  • 2021/09/28 (Tue) 11:01
  • Report

> Japan is the opposite of a steering wheel

Yes. That is the scariest thing. A long time ago, when a Rumonkaku (留(游)student who was doing a homestay in Beverly Hills was driving the children of a family there to school, he turned a corner and got into the opposite lane and collided head-on with an oncoming car. Long before that story, when I had just arrived in the U.S. and had not yet obtained my driver's license, the branch manager allowed me to drive his car for practice. So I went around and around the same block in my neighborhood many times during my lunch break. In my mind, I was mumbling to myself, "Right is 'small turn'".

I don't know about now, but at that time in NYC, the practical exam was held at a designated spot in a busy residential area, and the candidates would gather there. The branch manager's car was a huge Chevy ・ Impala, and I had been driving a Honda N360, which had just been released in Japan, so it was hard to get used to the difference.

https://cdn.dealeraccelerate.com/future/1/183/5980/1920x1440/1970-chevrolet-impala

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

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