If you are planning to purchase, or if you have already purchased, an imported car, getting the vehicle insured so you can get it on the road is a top priority. However, finding coverage for your import can be time-consuming, frustrating, and expensive. But it's not impossible. Just be ready to ask questions and possibly contact several insurance agents to get the coverage you need.

While you can often get a good deal on the purchase of an imported car, you may lose the money you save on the purchase price by having to pay higher insurance premiums. That's why you should shop around and get several quotes to find the most competitive rate. If you are importing a sports care, you almost certainly will pay more for coverage. That's because sports cars are more prone to crashes.

Most insurers will offer you a policy for your import provided they can locate the vehicle identification number (VIN) or car registration numbers. If they cannot find the registration number in their databases, then you need to see if the insurance company can find your exact model in their look-up table. If that does not work for you, you will have to inquire of another insurance provider.

Some companies only insure the most popular models of imports. They may only insure them for market value, not replacement cost. Other companies will write policies for modified vehicles, but only as long as the modifications are not significant. If you make substantial modifications to your imported car, then you will have to find a carrier that specializes in import cars. "Substantial" means different things to different companies, and sometimes small differences in the work on your car can make big differences in the price you are quoted. That's why it is important to ask around and to ask lots of questions as you get your insurance quotes.

Some companies will not insure European versions of a UK car, but with left-hand drive. This is also something to keep in mind when importing your car and obtaining your insurance.

It is also very important to check your security fittings. These could have a great impact on your vehicle's eligibility for coverage, not to mention the cost of the policy. Not having the right security fittings will either raise your premiums dramatically, or cause the company to reject your car for coverage altogether. Make sure you get detailed information on security fittings before you import your car.

While insuring your import may be time-consuming and expensive, it's not impossible. Do your research. Ask Questions. Call your importer and ask for their advice for obtaining insurance. And if you are importing a sports car, you can often get insurance at a discounted rate simply by joining a car club. Clubs often make deals with insurance companies for their members?ask about the benefits available to you. Finally, make sure you get comprehensive coverage for your imported vehicle. You imported car is an expensive investment, and it needs thorough insurance protection.

Posted under Cars