When buying a used car, what is the process of getting insurance for it?

July 13, 2017 · Posted in FAQ 
car insurance
v8volvodude asked:

I live in Indiana, but am about to buy a used car that is in New York. I am going out there to pick it up and drive it back to Indiana. How do I go about insuring and licensing the car? This is my first experience with this. Do I need car insurance before I leave New York, or do I get that once I get it back to my home state and get it licensed and tagged? How long do I have before it needs to be insured? How long do I have before I need to get plates and everything for it?

Where can I search on the internet to find more information about this, also? Thank you.

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Comments

2 Responses to “When buying a used car, what is the process of getting insurance for it?”

  1. constantreader on September 6th, 2009 7:32 am

    You need to contact a local insurance agent who represents one of the larger companies [like Farmers, Allstate, etc.] and describe what you’re going to be doing–picking up an out of state car, etc.–and get an agent name near the location where you’ll be picking up the car. You shouldn’t drive an uninsured vehicle, no matter what. When you get to NY, contact that agent and give him the VIN no. and any other information he requires, and just get a low-end policy [PL/PD] to cover you until you get back home again. You can get a car insured pending the tag & plate registration, depending on what your state requires. But in the meantime, you’re covered with the basics…you can upgrade thru the same company once your home again.

  2. TomB on September 8th, 2009 7:08 pm

    You need insurance when you recieve the keys. Call an insurance agent Tuesday, I know Nationwise will insure an out of state vehicle. As far as registration of vehicle in Indiana, the vehicle has to be inspected by a State or local police department first before you can get it registered and get Indiana plates. Remember the vehicle must have a “valid” license plate on it to drive legally.

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