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Import Car Insurance

Updated on June 6, 2010

There are many different options when it comes to car insurance.  it seems like every single car insurance company is trying to come up with new, funny commercials all of the time, in order to try and get you to buy their car insurance.  With the internet now, we are able to search online for the best car insurance quotes and compare different companies so that we get the best deal. 

That is fantastic for someone with a regular car, but if you import your car from another country, then you may have issues when it comes to getting car insurance.  You actually may need to get a different kind of insurance, specifically import car insurance, in order to legally drive your new imported car.  I am going to help you out and give you some good information on imported car insurance so that you will be able to make the best choice for you and your new car.

Getting a Good Deal on Import Car Insurance

One of the first things you should do is to just talk to the different agents at various car insurance companies.  They will be able to tell you if they are willing to insure an imported car or not.  Some of them will and some of them won't, so you'll need to do some of the legwork to find out which ones might.  Sometimes they are able to handle the extra risk because they have so many other people insured, but each company's policy is different.

If you strike out when trying to find insurance for your imported car from the regular car insurance companies, then your next step will be to start researching specialized insurance companies that focus on imported cars.  They know the different risks involved with imported cars, and are willing to insure your car.  They can usually offer a pretty competitive rate compared to other insurance companies when it comes to imported cars.  But, if the specialized import insurance company is a little bit more expensive, their coverage for your car might be better suited for your specific car, than you would get from a regular insurance company.  Sometimes there are definitely trade offs, so be sure to do your research.

Import Car Insurance Tips

if you are considering buying an imported car or maybe you're just interested in insuring an import car that you already have, here are some tips that can hopefully help get you started on the right path, and also find a cheaper rate.

  • Your car's make and model definitely matter when it comes to how much the insurance costs. Since import cars are usually more expensive, your rates will be higher. Also, older imports cost more when it comes to insurance than newer imports do.
  • Look into import car owner clubs. Often times these clubs have negotiated lowers rates for insurance, since the insurance company will know that they will get more referrals from the car owner club. You may also be able to get great discounts on other stuff besides insurance.
  • Sometimes, adding on to your car, or making other modifications can save you money. Since there are mods for cars that improve the performance, which can lower the rates for the car. Definitely talk with your insurance company about what you can do to lower your rate.
  • If you're a good driver, then definitely talk to the company about reducing the rate because you haven't been in any accidents. This can apply with your other, non-import cars too. Just negotiate with them, and be willing to tell them you're leaving for another company, and they'll be willing to work with you.
  • Add security features to your car. Lojack or other GPS-based systems, a car alarm, a car disabling system, and other such security features will help to reduce your import car insurance rate.

Import Cars


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