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Discussion Starter · #1 ·
Hi

We have just arrived in Nashville having been in Hong Kong for the last 3 years and originally from the UK.

We both have full UK drivers licenses for 20 years but are also in the process of applying for our US drivers licenses now.

We have had quotes for car insurance and they are horrific, effectively we have just learnt to drive.

Is this normal and we just have to suck it up or is there some way to reduce the cost?

Thanks in advance!
 

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With no US driving history, no US drivers license - that is two strikes against you. Some insurance companies consider a statement from a previous insurer that you have been accident free.
 

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We were in the same situation with UK licenses. Bizarrely, though, Geico massively lowered their rates when my wife happened to mention that I had a SC driver's license that had expired in 2000 (from a previous time spent in the US). Because it established some US driving history, despite being long expired, it got the rates back to where they are for most people. It might be useful to speak to an insurance broker, just to understand how it all works from a process point of view. State Farm offices are everywhere....
 
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