how do i take home my first car if its not insured?

Question

hi, im not under my mothers insurance yet, but i will be once i get my car. my question is how does that work. if i find a car, but im not under her insurance, how do i drive it home. do i have to buy it, go home and insure the car and then com back and pick it up? thanks.

Answer 1

Generally, you (actually your mother) call the insurance company from the place where you buy the car and they will insure you on the spot, verbally. If you know what car you are going to buy, you can get this info to your agent beforehand, and it makes it a little easier for them. You get the documentation and the bill in the mail a few days later. You will need the specifics on the car, like the VIN.

At some point, and I don't know your state, of course, you also have to get it registered and get either temporary license plates, or whatever system your state uses. Some states, the license tag stays with the car, and in some states it stays with the owner. You can go to your DMV website and determine what you are supposed to do. They usually even have the forms that you will need on the site to pre-fill out.

Hope this helps.

Answer 2

In my state, you have to have insurance before you can get a plate and registration. So pick out the car, put down a deposit, and go arrange the insurance and financing. Once you get the insurance in place, you can take the proof of insurance slip to the bank and to the DMV, Secretary of State, or whoever handles this in your area, and get a plate and registration. A few minutes with a screwdriver to attach the plate, and you're in business and driving legally. Go for it!

Answer 3

Get on the phone with the insurance company and get added while you are at the dealership. They are not allowed to let you take it off the lot without insurance and the financier requires full coverage insurance.

Answer 4

Ususally you can just call the insurance agent and let him know what is going on. Most times it will be covered