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I recently moved to the United States from a foreign country, where I had an excellent driving record. Why are my auto insurance rates so high?
While car insurance companies can use a number of factors to determine your premium, including your age, where you live and how many miles you drive each year, one of the biggest factors they use is your driving record. Since you do not have a driving record in the United States, your premiums will be high because the insurance company has no record of how you drive here.
You will have to drive in this country for a few years to establish a driving record. Once you establish a safe record, your rates should go down.
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