I am going to be in the US for three months next year with my partner, travelling from San Fransisco towards the East Coast, probably finishing up in Boston and trying to see as much of the parts in between as possible.
I’m going to buy a car in SF, and sell it when its time to go home. So far, so good. I have had a look into insurance, and got the shock of my life. It appears that that just to get 3rd party insurance, you need something called a CDW waiver, and another form of waiver, each of which costs 10 dollars per day! That’s $1800, just in extras for three months!
I understand that almost everybody in the US has a car, they can’t be paying over $6000 a year insurance, I can get fully comprehensive insurance in the UK for a year for £400, which is roughly $600. Insurance can’t be ten times more expensive in the US, surely?
Am I missing something here? I have heard that in some states the penalty for being uninsured are so laughable that some people don’t bother (all the more reason for me to make sure I have decent cover), but what do most people do?
Because I’m going to be travelling I can’t provide a fixed address, which I realise might be tricky. Me and my partner are British, with 11 years experience each of driving, and we haven’t claimed on insurance in a decade.
Any help, or tips, I’d be really grateful.