When you are an international student studying in the US, it can be a bit confusing with the new culture and possibly even a new language.Often the simplest things can be difficult to get the hang of.Things like car insurance can be a whole new challenge when you are not familiar with the process or the rules.If you`ll be driving in the country you plan to study in, you will want to have car insurance.Most students are on a budget anyway and having to deal with the cost of an accident, no matter how minor is usually a big dent in the budget, particularly if you were at fault.- Look for a car insurance provider that doesn't penalize international students.Many companies will insist on a minimum of 3 years US driving experience in order to qualify for lower rates and higher coverage.Since the majority of international students have little or no experience driving in the States, they will end up paying more for less coverage.A very few insurance companies will count foreign driving experience and offer lower rates and deductibles.- While liability is the minimum requirement by law, it`s a good idea to find out how much more you`ll pay for collision insurance, as well as comprehensive.Liability covers your passengers or property that you damage in an accident, collision will cover repairs to your vehicle if you crash, even if the accident was your fault.Comprehensive insurance is meant to help you recover your financial losses if the vehicle is stolen or destroyed by means other than a car accident.- Keep the age of your vehicle in mind.Older cars usually aren`t worth insuring for anything more than liability, since you would be better off replacing the vehicle than repairing it in most cases.Newer cars will need to be insured for more since it`s usually far cheaper to repair them than buy a new vehicle.The general rule of thumb is that a car older than 1989 should carry liability only.- Look for fixed rates.Some car insurance companies will let you sign up for 6 months or 12 months, where your rates will not go up, even if you have an accident during that time.Obviously, the longer the term, the better.- Make sure you have an up-to-date international driver`s license.This will allow you to drive both in your home country and in the US.Most international students have no need for an American driver`s license, so an international one should be fine.Just be sure that it is good for at least six months after your stay ends so you`ll be able to get the best car insurance possible.- Bring all paperwork that could be necessary with you when you apply for car insurance.You`ll need proof that you haven`t had an accident in the previous 18-36 months for the best rates.All driving related paperwork will help you out when applying for car insurance and can drastically cut the waiting time, as well, since you won`t be trying to get your papers from your home country.Car insurance for international students might be a bit tricky, but it mainly comes down to doing some research to find which companies will give you a break, even if you haven`t been driving in the States for the past three years.The prices and amount of coverage should be fair and not hiked up just because you are only temporarily in the country.

We are cruising into the New Year and this is the time when you would be once again looking for the best car insurance rates.Why not? When you compare auto insurance quotes in the next year, there are lots of changes which are in the favor of the consumer, so know what your options are before you compare auto insurance quotes.The insurance field is very dynamic and any changes in the life-style, environment or technology would bring in changes in the insurance.The insurance industry is encouraging the" going green" better technology and changes for the environment.More than 600 innovative, eco-friendly products and services are now offered by 244 insurers, reinsurers, brokers and insurance organizations in 29 states; of which 37 percent of those activities come from U.S.Companies as per the latest report of Insurance Information Institute.The automobile insurance companies are also picking up the latest changes in the technology to bring in innovative auto insurance rating techniques.They want to and will provide the best car insurance rates to their customers and reward them.With the expansion of the web, internet and other technological devices a new automobile insurance rating ploy is being adapted by the insurers.New car insurance programs are designed which are called "pay as you drive".(PAYD).Instead of having fixed auto insurance rates you will be able to get the best car insurance rates if you drive less.If you belong in this category, than it is time you were rewarded.Obviously, the less mileage you drive the less the likelihood of auto accidents there will be.Progressive Insurance has already started this in the state of Ohio.There are many similar programs like this which use different devices like the GPS system, which are web-based or collect readings from the odometer or use different technologies.The information obtained from these devices would give the insurance companies information on the usage of the car and policyholders who drive fewer miles than the average driver would be provided discounts.As a customer you will have to compare auto insurance for the devices used to judge for yourself which device or program you are more comfortable with.Secondly, the insurance companies would be offering you auto insurance discounts on the hybrid cars.If you are thinking of buying a new car in the new year you should definitely keep this in mind.Get the new hybrid car and save on your petrol, help the environment and also get the best car insurance rates.Remember to also check out which are the top safety picks for 2010 and you will find this information in my article on "Cheap auto insurance quotes would depend upon car, top safety picks for 2010.Pick up the gift the auto insurance companies are offering and get your best car insurance rates.