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some one month waiting period before getting discount, however, the information is just mis-leading. That actually means that your rate would be different for the first month and that doesn't prevent you from buying their insurance right away. What you can do is to buy first and ask for change later- after your member ship of Cinese Professional Association is effective.
When you leave the country for a while, you can change the option to cover only stolen such that you can save a lot. Bear in mind that changing insurance company or options DOESN'T change your insurance rate at all, as long as the reason for change is beyond the scope of any accident. When you talk to your agent, let him know more abut your driving can help him to help you to save. Your age, marriage status, family constitution, drving distance and drivng purpose all matter. Otherwise ask him 'how do you think I can cut down the insurance rate". Sometimes people in the other end of the phone will be nice enough to help too.
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