I will be staying in Clinton, Michigan, will I be needing US drivers license to insure my vehicle for just three to six months? Can I use my international drivers license to drive in Michigan?

Robert

Clinton, MI

If you are going to purchase an insurance policy in Clinton Michigan you should expect to have an US driver’s license or obtain one for you to be be insured in the US.

It may be possible auto insurance companies that will sell you a policy you in the United States using your international drivers license, but many insurance carriers would require you to get a drivers license in the state you live in, (in your case, in Michigan) before buying car insurance or within thirty days after getting insurance coverage.

I am not aware of any specific insurance company that allow this but when getting a car insurance quote online (you can begin here by typing your zip code! it is free!) and check if there is an option to list if you have an international license or you can shop around in Clinton Michigan for insurance carriers that allow this.

Some insurance carriers will likely require you to have a drivers license or in the process of getting a US drivers license. It is wise to start getting car insurance quotes now so you may know how much car insurance you should expect to pay when you get here and purchase insurance.

I’m moving next week and have been getting some preliminary quotes from auto insurance companies for SR22 DUI coverage, and they’re so much lower than my current ones. I mean, I don’t mean to complain, but what happened? How do I make it happen again?

Jaime

Glad you asked, Jaime.

Glad to hear that you were able to get a cheaper SR22 insurance coverage in Michigan. While I can only go by the circumstances you have revealed to me, I would wager a bet that the reason you saw your car insurance premium rates drop so much is because of your move. Now, I’m sure you expected some difference due to a change in area, but you came off as surprised. The reason is that while changing locations but staying in the same setting (i.e. moving from one part of the city to another) may change your premiums slightly, if you move to a different setting (i.e. city to suburbs, suburbs to rural), you will see your rates change more drastically.

One of the reasons for this is because if you are in the city, your Michigan SR22 rates are higher because of crime and traffic. Traffic causes problems in that it makes the instance of car accidents much higher due to the proximity of cars on the road, whereas crime raises comprehensive claims due to car vandalism and theft. So, basically, if you want to happen again, just move as far out into the middle of nowhere as you can.

Cheers,

Fashun Guadarrama.