Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • Diplomats need to be aware of insurance regulations that affect special-status drivers
  • Diplomats may have to pay higher than average car insurance costs on certain policies
  • Diplomats can defray many of these costs by consulting with comparison shopping websites

Diplomats who represent the interests of many nations serve at embassies in the nation’s capital. They enjoy a special legal status and are generally allowed to have U.S. drivers’ licenses.

Because these dignitaries and their staff members often need to drive, they require adequate car insurance coverage and should take into account some important factors that determine the strength of individual policies.

This article will shed some light on these issues and reveal how diplomats who use comparison shopping sites can save on their policies.

Compare policies today by entering your zip code above.

Car Insurance Rules That Diplomats Who Plan to Drive Should be Aware Of

Diplomats who need to drive can face a lot of red-tape. That being said, they can access a range of services and information from the Diplomatic Motor Vehicle Office (DMV).

This government department monitors and regulates the use of motor vehicles by foreign missions and the diplomats who operate them.

The DMV provides guidance and advice that helps diplomats to comply with relevant car insurance regulations.

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Optional Coverage Insurance Items

It’s up to drivers to carry these policy protections, but those who do may breathe deep sighs of relief if an accident happens.

  • Collision Coverage – If the insured vehicle collides with public or private property, this coverage item pays for the damages. Cosmetic and structural damage compromises the value of vehicles, but collision coverage acts as a shield against dings, dents, and other serious complications.
  • Comprehensive Coverage – This insurance policy item pays for any non-collision damages that happen as a result of circumstances outside of the owner’s control. These can include hailstorms, fire, theft, vandalism, and more.
  • Glass Coverage – Car windows are regularly pelted with debris and are easily chipped. These small chips can quickly turn into full-blown cracks that can threaten the structural integrity of the glass pane. Glass coverage takes care of any issues by paying for window repair costs.
  • Rental replacement coverage – Diplomats who are on the go and experience a minor accident can quickly get back to their duties with rental replacement coverage on the job.
  • Uninsured motorist coverage – This option pays for damage to the insured vehicle caused by collisions with uninsured motorists or vehicles. There are undoubtedly many such drivers in operation at any given time, making this coverage indispensable for diplomats.
  • Underinsured motorists coverage – Some drivers have auto insurance policies that are as lightly resourced as possible. As a result, when accidents happen these policies are unable to fund necessary repairs. Underinsured coverage swings into action at times like these to make ends meet.

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Mandatory Coverage Provisions

Diplomats who wish to drive in the U.S. must carry these policy items. Having adequate monetary amounts behind these policies can prove useful when a serious crash happens.

  • Bodily Injury Liability Insurance – If the insured vehicle collides with another car, this item pays for treatment of the injuries inflicted on the other motorists.
  • Property Damage Liability – This coverage item pays for damage to public or private property that is caused by a collision with the insured vehicle. Diplomats who work in icy climates can be well served by carrying generous amounts of this coverage.
  • Personal Injury Protection (PIP) – When the driver or the passengers of the insured vehicle are injured in a car crash, PIP insurance pays for the resulting medical bills. A good PIP plan can include payments for rehabilitation services and lost work time.

Car Insurance Savings Opportunities for Diplomats

Even though diplomats may face high auto insurance costs in some cases, there are also many savings opportunities available to those who are willing to spend a little time on comparison shopping websites.

These services inspect and collate information about potentially hundreds of companies so that visitors don’t have to.

This service obviously saves drivers a lot of time, effort, and expense, not to mention enabling shoppers to get the best insurance prices.

  • Group discounts – These savings items apply to insurance applicants who are members of a qualifying group. These could be unions, trade groups, and governmental bodies. Diplomats who think that they may qualify should make sure to keep this option in mind when comparison shopping.
  • Safe vehicle discounts – Diplomats often drive newer vehicles that may include formidable security systems. Many insurance companies offer discounts for vehicles with safety features that can include anti-lock brakes, ballistic glass, armor, and more.
  • Driver education courses – Diplomats who are new to the U.S. are often classified as inexperienced drivers due to a lack of a domestic driving record. Savvy drivers can defray some of these costs by attending a driver’s education and safety course.
  • Bundling – Diplomats can save on auto insurance by combining different types of coverage under one umbrella. For example, an individual could buy their car and apartment insurance from the same provider and save money in the process.

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Diplomats Deserve Good Insurance Coverage

Diplomats work hard to promote smooth relations between nations. They often drive many miles in the service of their countries and face traffic-related risks along the way.

That being said, diplomats who remember the information presented in this article when they comparison shop for insurance can count on being well-protected in their travels.

Use our free rate comparison tool today! Enter your zip code below to get started.