Car insurance - not USAA
I read the other recent threads on car insurance, and I'm not eligible for USAA, so it looks like I'm stuck with the small, expensive, local companies. Are any of these "less bad" than the others? Will I need to set up a policy before I arrive on the island, or do I have to do it in person once I get there? I believe I have to have a policy in place to get my car after it's shipped, so I want to take care of this asap! Thanks!
We use Executive Insurance on STX. Your stateside insurance or homeowners will insure the car until you get it on-island, I believe. You will need insurance here to clear customs. We arranged insurance after we arrived but before the car did.
You can get insurance in one visit to a broker when you're here. Just call some companies ahead of time to identify the one you want to use. Then take your new proof of insurance when you clear your car.
I used Guardian at first, but they have really low liability coverage of $25K, so later I switched to a $300K policy with Lloyd's via Marshall & Sterling. People love to sue each other here, and juries love to award, so that why I got higher coverage.
Your stateside auto insurance is no good once you cross the three mile limit. During transit the only insurance that will cover your car is ocean marine coverage available through the shipper. To register your car on STX you will need local coverage.
Before we switched to USAA we had Annalay insurance in Gallows Bay.
Since we are AARP members, we use AARP Auto Insurance because it is much less expensive than 1st Insurance, Executive Insurance, Marshall & Sterling, etc., who all basically are underwritten by Lloyds of London. You have to call or fax AARP in Puerto Rico because that's where the policies are written.
Since when has AARP offered auto insurance in the territory? Last time I checked, about half a dozen years ago, they only wrote house insurance.
I've not had to use our auto insurance (knock wood) but I like the security of having a real person in a real office on-island that I can get to should I need help.
Hey dntw8up, we started using the Puerto Rico AARP location for auto insurance (Regency) in 9/07. We got tired of paying & getting obnoxiously high quotes from STX insurance offices that were in the $1070 - $1200 range for 2 cars (liability only).. We only carry liability (no comprehensive) and are saving close to $400/yr. We pay pay approx $670/yr on a 1999 Subaru Legacy Outback & a 2006 Ford Focus The phone number for AARP in Puerto Rico is 787-273-7963 or 800-433-0881. We have done everything with them via the fax or phone.
Do you know what the maximum liability limit is on the AARP auto policy? We checked..perhaps 18 months ago, and could not get a high amount, but perhaps it's changed?
One of the folks in charge of the AARP insurance in PR is a great former employee of Marshall &Sterling on stx...and she knows the VI...
Roadrunner would not be edigilble for AARP. In fact she may be able to get Mickey's Playhouse Insurance for her pedal car. LOL
😛 Nope, I'm about 20 years shy of being eligible for AARP! Definitely beyond the pedal car stage, though!
So since we have USAA insurance, will we not have to switch insurance carriers once we move to STX?