Thanks guys. We ended up getting insurance through Gieco and at a nice price too. Clements were a lot cheaper, but my hubby is only 20 and they only insure drivers over 21. They waited until we made the payment, then informed us of the age limit.. we got a refund of course. With him being under 21 and having a US license, we were getting crazy quotes from UK companies.
So if anyone is paying through the nose for car insurance, Clements and Gieco are the way to go. With Clements we were only $200 for the full year and that was collision and comprehension with a $250 deductible. Gieco is slightly more expensive, but still a lot cheaper in comparison to UK companies.. were saving over $1000 a year through Gieco. Both companies only insure US citizens living outside the US.