Many states are now allowing undocumented immigrants to apply for drivers licenses. Since most states require licensed drivers to obtain insurance before driving, these undocumented workers must now obtain a policy. There are several difficulties these immigrants may encounter when looking for insurance. Many providers use social security numbers to verify information.
It can be hard for immigrants to find competitive pricing without a verifiable driving record and social security number. Here are 6 ways immigrants can find cheaper car insurance.
1. Compare quotes
This is a good tip for everyone, not just undocumented immigrants. By looking at several different offers, you will be able to pick the one that best fits your needs. Whether you use an online quote tool or call the insurers, chances are you will find cheaper rates by looking into more companies.
2. Become a licensed driver
The process of looking for, getting or switching auto insurance is significantly easier if you actually have your drivers license. If you live in one of the states currently offering licenses to immigrants, this should be a priority. The reason states are now offering licenses to immigrants is to hopefully increase the number of insured drivers.
3. Look for discounts
Many auto insurance providers offer discounts for any number of factors. You could be eligible for a discount if you get good grades, have certain features on your car or complete defensive driving classes. The type of discounts offered will vary by company, so make sure to check when getting a quote.
If you have multiple different insurance policies, such as homeowner or renters insurance, you could get a discount for bundling. By switching all of your policies to the same provider and participating in a bundling program, you could save significantly on all of your policies. Make sure to check with your provider about what options they offer.
6. Check for low-cost programs
Some insurance providers offer reduced rates for low-income households. Depending on the specific requirements, undocumented immigrants who qualify could get a substantially discounted policy. This option has recently become available for drivers with less than three years of confirmed driving history.
As more states continue to offer licenses to immigrants, more programs to help them become insured are sure to follow suit. Although Nevada does not currently offer licenses to undocumented immigrants, anyone who operates a vehicle in the state is required to have an insurance policy.