I am currently living in the U.S. I am looking to get a car insurance and wonder how they calculate my rate. As I know it from Germany, they calculate the risk with a formula depending on where I live, how long I have my Driver's License for and how many accidents I had in the past. Are these roughly the same factors as in the U.S.?
Since I have my German DL license for over 10 years now and just recently (2 months) got a U.S. Driver's License, I wonder how the insurance company will calculate my risk/rate? Do they take the age of my German Driver's License into account or do they just calculate the rate based on the age of the U.S. Driver's License?
I am now insured on a car of my friend. They did not charge any extra fee so therefore I suppose that the insurance also took the age of my German DL into account. They also asked for this when we added myself to the insurance of the car as a driver.