Whether you're in the United States, Europe or Africa, a car accident is a car accident, and people who have car accidents without being insured ultimately pay the consequences. Although car insurance rates can be high, it is possible to find cheap car insurance when you're traveling abroad. And even the most expensive car insurance is cheaper than the price of getting into an accident while uninsured.
Although many large car insurance companies offer coverage in other countries, it is likely that your policy does not cover you if you are driving abroad. In addition, if you are driving a car other than your own, it is important that you purchase car insurance for this vehicle before driving it. If you are piloting a friend or family member's vehicle in a country other than your own, that vehicle may be covered by your friend or family member's policy. Further, rental vehicles often also come with a car insurance policy.
However, it is often smart to augment the car insurance offered to you by friends, family members, and rental agencies with your own policy. To do this, you can check with your current car insurance carrier, along with the company that provides you with travel insurance. Although travel insurance and U.S. car insurance policies do not cover drivers in other countries, it is possible that these corporations could sell you additional coverage. If this still leaves you empty handed, consider calling the bureau of travel in the country or city you are planning to visit and asking for referrals.
When shopping for car insurance in the U.S., it is always important to compare car insurance rates and car insurance premiums among policies to get the best deal. Following these same practices when looking to purchase additional coverage when abroad will also help you to save some money. In addition, it's also best to find the car insurance that is perfect for you instead of simply trying to find cheap car insurance. While you can find car insurance rates that meet your financial needs, you need to be sure the policy is right for you. For example, you should be sure that your car insurance premium is set to what you feel comfortable with paying in the event of an accident.
No matter how high current car insurance rates are, driving without car insurance is always far more costly in the U.S. or elsewhere. When you follow smart practices to get insured with low rates overseas, you save yourself the hundreds of thousands of dollars that you could be forced to pay if you are in a severe accident when uninsured.