Is that similar to what a european citizen would pay or is it adjusted just for an american traveling there?
Man...so i just quoted the cost on my future B6 S4 both at home in DC and my overseas station in Bamberg, Germany..
DC: $104/mo (full coverage)
EU: $396/mo (full coverage)
Long story short OUCH.
This is through USAA.
Dont know any other insurance companies that offer overseas protection...
the reason the insurance companies are charging more when you are stationed overseas, is because Americans have a difficult time driving, due to the smaller roads and faster speeds. Plus a lot of Americans bring over big SUV's and trucks, and due to all those points a vast majority of accidents around military installations, are caused my Americans. This is why insurance companies like USAA and Geico charge so much. You're lucky to be stationed in Germany, Italy's insurance premium are almost double of what they are in Germany.
Me being a car guy had zero problems cruisin down the bahn at 105~115. Someone comes up behind me haulin ass i just move over. Some people i've road with dont understand the concept of monitoring how fast someone is approaching from behind and how to switch lanes accordingly. They also dont understand speeding up at a good rate when getting on highways or when its more prudent to speed up to get over vs slow down...
Boggles my mind.
Last edited by Quintin@USRT; 08-30-2012 at 05:07 AM.
Don't bring a german car to germany, that's DIW. Go find a decent 60's muscle/pony car for a decent price, have a friend ship over some good old american go-fast parts and sell that hunk of iron for a huge profit when you leave.
Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts. Broad, wholesome, charitable views of men and things cannot be acquired by vegetating in one little corner of the earth all one's lifetime.
2. What "whole truth" are you referring to? The discussion here focuses on whether insurance over here costs more or less than it does in the States, and what factors might influence the price he pays. If the OP were ultimately unable to find a quote that is less than 4x as much as what he now pays, I would say that is the "whole truth" as far as he is concerned - it would be much more expensive, right?
are you insuring it through US policy or Euro? Back home (not Germany) registration is included in your insurance, and what drives the cost is size of the engine. Try getting a quote for VW polo with 1l engine, i am willing to bet it will be less than 1/3 of what you were quoted for B6.
Sarajevo, Horde Zla, Bog i Carsija
Italy's liability coverage requirement is much higher than US. I'm sure it is the same with rest of EU.
Current Rides: 1970 Fiat 500 (Imported from Italy), 2000 Honda S2000 (AutoX/Track), 1997 F150 V8 4x4 Offroad (DD/Toy Hauler), 2003 Mazda 6 (Wife-DD)
1971 Vespa 50 (w/ original docs from Florence, Italy), 1971 Yamaha LS2, 2005 Kawasaki ZX6r (Ohlins cartrige fork/shock/damper), 2001 Honda F4i streetfighter (Racetech fork/Penske shock), Rossi style M1 pocket bike (Valentime gift from wife)
Price depends on risk - that is what insurance is about.
When I lived in Belgium (2005-2008) Audi A4 2.0T Quattro cost me 1600€/year. I had more than 10 year non collision history, had alarm and garage. I was over 35. Same time my wife's coworker 25 year old guy who just got license and bought first car (2500€ POS, no garage, etc.) paid 3000€/ year.
Now in Finland insurance with same coverage costs a bit less than 1000€/year. If I lived outside Helsinki region price would drop about 100€/year.
Our system allows 60% bonus for mandatory basic insurance (covers innocent parts damage, it takes 12 years to gain max bonus - complex system) and 70% for voluntary that covers your own stupidity etc. (insurance companies give maximum bonus immediately to get customers.)
Out of curiosity I checked what new MY 2012 A4 would cost me: Mandatory insurance 811€/year (no bonus) and with best voluntary insurance (includes 70% bonus) 1905€/year. I would get several discounts: my other insurances are in the same company 230€, I have other cars (clean history) in this company 80€/year, I was making order via Internet - campaign -20% 299€/year. Total for me (41 year old man) would have been a bit under 1300€ /year.
This insurance would have been valid in whole Europe expect voluntary part (car theft, vandalism, own stupidity) wouldn't have been valid in certain parts of eastern Europe.
For each car, insurance companies keep track of the number of accidents by agegroup and number of times they get stolen. So if you're 18 and would like to drive an e30 320i, be prepared to pay top money, since you are in a (somewhat) risky car and are an inexperienced driver. I looked into it at age 20 and had to pay 120€ a month for a basic liability insurance for one, as compared to only €40 a month for the Golf Mk2 diesel (no-turbo) I had back then.
Fast/Cheap cars are the worst combination. When the Subaru STI's first came out, the insurance rate in Germany was over 10,000 Euro per year because it was a fast track oriented car that younger people could buy (and crash).