Adding out of country AP to car insurance

[Anonymous]

How does it work before/after the AP gets their state DL?
Do you call your insurance agency as soon as AP is here and add her to the policy with her international DL?
How do you shop for the best rate if AP doesn't have US DL?
What happens when AP get her state DL, do you call insurance to update? I assume the premium goes down then?

Getting prepared for my first out of country AP.

Thanks

[Anonymous]

Yes, on Day 1 you call your insurance and add her. When she gets her DL you call again. They will tell you premium differential each time.

I guess theoretically you can shop around, but I’d presume the beat differential will be at whatever company you already have history with. When it is brand new account it might be hard for them accepting a younger driver... but you can check if you have time.

[Anonymous]

PP above is correct. You add AP to your existing insurance as a driver on your existing policy using their international driver's license. It will be expensive. Our family has 3 cars, one is mine, one is my wife's and one is for the au pair. We pay about the same for the AP car as for both of our other cars combined.

[Anonymous]

Our insurance will not put our au pair on our policy until they have a state drivers license. But they are covered under our existing policy until we can have them added on. None of our au pairs have been too expensive to add. I think it just depends on your insurance agency and existing policy. Make sure you call now and find out what you have to do.

[Anonymous]

Anonymous wrote:Our insurance will not put our au pair on our policy until they have a state drivers license. But they are covered under our existing policy until we can have them added on. None of our au pairs have been too expensive to add. I think it just depends on your insurance agency and existing policy. Make sure you call now and find out what you have to do.

Oh, that is interesting, good tip about calling ahead. How is she covered with your current policy? what insurance is it? Thanks

[Anonymous]

Anonymous wrote:Our insurance will not put our au pair on our policy until they have a state drivers license. But they are covered under our existing policy until we can have them added on. None of our au pairs have been too expensive to add. I think it just depends on your insurance agency and existing policy. Make sure you call now and find out what you have to do.

That seems odd to me. It takes a long time for APs to get their license usually, does your AP really drive your car for a month or more without being on your insurance? This doesn't seem right.

[Anonymous]

We always called our insurance company to be sure but they said to just call back when she gets her VA license. So you may find that is the response. It's when the AP got the VA license that they wanted her name and age (matters a lot).

[Anonymous]

Anonymous wrote:

Anonymous wrote:Our insurance will not put our au pair on our policy until they have a state drivers license. But they are covered under our existing policy until we can have them added on. None of our au pairs have been too expensive to add. I think it just depends on your insurance agency and existing policy. Make sure you call now and find out what you have to do.

That seems odd to me. It takes a long time for APs to get their license usually, does your AP really drive your car for a month or more without being on your insurance? This doesn't seem right.

Might depend on your state, but it's the same for me, too. They won't add a driver until they have a US DL. Until then they are covered because we gave them permission to drive our vehicle (similar to if you lend a car to a friend or family member for whatever reason).