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American Car Insurance

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal

American culture has had a big influence over here in the UK. From films to fashion, a huge variety of different trends have successfully crossed the Atlantic. Yet there are few things which embody American culture as much as the automobile. From the Ford Model-T all the way up to the brand new Tesla models, we continue to embrace American cars.

However, due to a number of reasons which will be expanded on below, a regular car insurance policy will not be sufficient. You will need to buy a specific American car insurance policy.

Why does American car insurance cost more?

There are two main reasons for the higher price of American car insurance policies.

The first comes down to the cars themselves. Repair costs are higher on American cars, because the components are less common and often need to be imported specifically. Whilst you may be able to get a new door panel for your Volkswagen, you will struggle to get one for your Mustang and will definitely pay more.

Insurers are also wary of insuring vehicles which were not built to UK specifications, especially when they are left-hand drive. This makes repairs more expensive as there are fewer mechanics qualified to work on American cars. The cars which are imported tend to be high performance vehicles, which only serves to drive the price up more.

American Cars

They come in all shapes and sizes, and can be anything from a souped-up hot rod to a huge, gas guzzling 4×4.

Some of the most common manufacturers include:

  • Buick
  • Cadillac
  • Chevrolet
  • Corvette
  • Dodge
  • Ford (Mustang)
  • Lincoln
  • Oldsmobile
  • Plymouth
  • Pontiac

Policy Features

It can prove difficult to find an insurer willing to provide cover for cars imported from America, but our partners are experienced in dealing with American cars, and are in a great position to offer you a tailored insurance policy to suit your specific needs.

Below are some of the main policy features to consider.

  • Agreed Value Cover – it is crucial that you agree the value of your vehicle with your insurer before you purchase your policy. Failure to do so could leave you underinsured in case of an accident or if the car is written off, with the insurer not paying out enough to truly cover the damage.
  • Modified Car Cover – American cars are often modified by their owners, and if this applies to your car it is important you tell your insurer. Some companies are wary of insuring modified cars, but our partners are happy to.
  • Hire Cover – if you hire out your car for events such as weddings, check with your insurer that your policy includes business use.
  • Breakdown Cover – due to the unusual nature of American cars, we recommend getting break down cover, as local garages could struggle to repair your car.
  • Laid Up Cover – so your vehicle is protected whilst you are working on it, or if it is off the road.

Reduce Your Premium Price

Although American car insurance costs more than a regular car insurance policy, there are still measures you can take to help reduce the price of your premium.

  • Limited mileage discount – the less time you spend on the road, the lower the chances are of you being in an accident. Insurers know this, so the lower your annual mileage is the lower the price of your premium. Some cars are used seasonally, such as a convertible Cadillac, so this is definitely a feature worth considering.
  • Owners club discount – there are a number of clubs for American car owners, such as the National Street Rod Association, and membership of these can often reduce the price of your premium. In some cases, this can be up to 15%
  • Storage – where you keep your car can also affect the price of your premium. If it is kept in a safe location, like a locked garage, this will bring down the cost.

We’ll help you find the right insurance for your American car, just fill out this form and we’ll put you in touch with the best deal!

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • Each country has their own style when it comes to vehicles, which means that you need an insurance policy that covers the little quirks that comes with an American vehicle.  Even though you could look for an insurance policy that covers cars in general, having one that has been specifically designed for American cars will give you the peace of mind that your vehicle has tailor-made protection.  At QuoteSearcher, we believe that providing customers with niche insurance policies provides them with a more comprehensive level of cover and value for money.

  • To accommodate all our customers QuoteSearcher works with a wide range of insurance partners, many of which can provide quotes for your American car insurance.  Whether you have a classic or a modern American car our partners will try their best to provide you with the most comprehensive quotes available.  Our online quote form gives you the opportunity to let us know the exact make and model of your American car, as well as whether you will be using it as your primary or secondary vehicle.  You can also provide information on how many drivers will require cover as well as the current value of the car, for a bespoke cover quote.

  • Each country differs when it comes to their safety and emission legislation, which means that when importing a vehicle you will need to ensure that it adheres to those in the UK.  You will also need to ensure that your vehicle is registered with the DVLA as being in the country, and that you pay any taxes that come with importing the vehicle into the UK.  Once your vehicle has been registered and taxed by the DVLA you will then be able to apply for American car insurance.  If you have purchased a classic American car you may be able to apply for certain exemptions when it comes to modifications, but if you are unsure we advise that you contact the DVLA as soon as possible.