QuestionThanks, I'll keep your offer of help in mind.
But you're really putting a lot of faith in the dealer doing everything and doing it right. What if it's not a dealer, but an individual?
I'm going to ask these questions elsewhere, especially the insurance question. I just can't believe you have to pay double. I'll let you know.
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Followup To
Question -
Greetings,
I bought a new motorcycle some twenty years ago, and cannot remember anything about the process. Now I am confronted with the necessity of buying a used car, and quite apart from the artful niceties of the actual car buying, I am completely at a loss regarding what to do first, what the DMV language means in plain English, and why everything seems like a merry-go-round of catch 22's.
I'm going to put all the notes I have from the DMV about registration and the like at the bottom of this question in >" "< quotes. Basically, from what I understand, you can't buy a car and drive it off the lot unless you have insurance and registration and a temporary plate permit. However, you cannot buy insurance or register the car or obtain a permit, unless you already own the car.
Can you please unravel this conundrum? I am in New York State, and I swear you need a doctorate in auto purchasing to understand the DMV's published information. How can they assume everyone has done this a dozen times!?
Also, when I go to an auto insurance site, they ask if I've had previous auto insurance. Now, strictly speaking, I haven't. But I've had motorcycle insurance for the exact same (legal minimum) insurance terms as for driving a car for nearly 20 years. Is this insurance "auto insurance" in this context???
The price without having had prior auto insurance is double that if you have had prior auto insurance. I have no accidents or blemishes on my license, and in fact have a chauffer class, having driven stretch limousines in New York, NY, never mind the even more exacting demands of motorcycle driving. Is it possible the motorcycle insurance does not count as "auto insurance?"
Frankly, I thought you could just go to a dealer or individual selling their car and hand over a check or money order, and drive away with the thing.
And then, what if the car of your dreams is 550 yards on the far side of a state border? The complications seem to complicate exponentially. I have no head for this. And I need help.
What do you say?
Notes follow:
>"Papers needed to register a vehicle in NYS.
I.
If the vehicle is new, does not have a registration document or a title certificate, and was purchased from an out-of-state dealer, you must provide the Manufacturer's Certificate of Origin (MCO) and the dealer's bill of sale.
If the vehicle is used, and was purchased from an out-of-state dealer, provide an out-of-state title certificate or transferable registration transferred to the dealer and the dealer's bill of sale that transfers ownership to you.
If the vehicle was purchased from a private owner, provide a bill of sale from the previous owner, and the title certificate or transferable registration that was transfered from the previous owner to you.
II. ?
Intrastate In-Transit Permit
or
Interstate In-Transit Permit
To apply for an intrastate or interstate in-transit vehicle permit you must provide:
1. Proof of insurance. Normally, you must show a NYS Insurance ID Card as proof of insurance. If you use a form FS-75, FS-76 or FS-77 Insurance ID Card, you must show it to
DMV within 7 days after it was prepared. This type of insurance ID card must have "in-transit" or "in-transit permit" printed or written on it, and you must provide an In-transit Cancellation Authorization form (this is not a DMV form) from the insurance agent or broker who prepared the card.
2. Proof of Ownership: Read the information about proof of ownership. If you apply for an interstate in-transit permit, the DMV office returns the proof of ownership after it is
examined. If you apply for an intrastate in-transit permit, the DMV office keeps the proof of ownership to issue a NYS title certificate.
3. Proof of Identification: You must show your proof of identity and date of birth. If another person brings your application to the DMV office, that person must follow the requirements for a second party application.
4. Sales Tax: If the applicant for an interstate permit is a NYS resident, the applicant must provide proof of sales tax payment or purchase price and pay any tax at the DMV office.
5. Application Form: Complete form MV-82ITP (In-Transit Permit).
6. Also required for intrastate in-transit permits only:
Sales Tax -- Proof of sales tax payment or purchase price to pay the tax at the DMV
office.
Title Certificate Fees -- Pay the title certificate fee of $10.00, plus an additional $5.00 for each lienholder listed on the title certificate.
Vehicle Registration -- After you move the vehicle to the final location in NYS, apply
for a registration at a DMV office. Use form MV-82. Pay the fees for the registration
documents and vehicle plates. The DMV then issues your vehicle plates and registration documents to you.<"
Answer -
Hi Steven
Thank you for your very detailed question...
My expertise is really you buying a car for fair value and not getting a lemon...
I am located in Canada but the process would be much the same...
If you buy from a dealer then a valid drivers licence and confirmation of insurance is all you need supply the dealer to take care of all transfers...
The one question you popped i find very interesting...RE- insurance... motorcycle Ins same as auto Ins>>>
and i agree with you as i think driving a bike you really must drive very defence minded and your skills must be better than the average driver...and your Ins rates should be that you qualify for star rating...but you and i did not write the laws...
I know you have looked up the internet trying to find all the answers...the problem is once you start reading all the state rules fine print you will most likely be more confused than when you started...lol...
THE STEPS
Think of a car year and model you may consider buying...
then phone 3 insurance agents for quotes...once your satisfied its in your range then go shopping and the dealer will handle all paperwork from there on...
this is really where i enter making sure your getting fair value for your bucks...when you find a car you may consider buying dont leave a deposit or sign any papers till you have given me details... year... model... price...etc...ask for history...
Looking forward to hear about your Ins rates
Regards
Ray
AnswerIf you go to a dealership check for registration... they will be registered giving you full protection against liens etc...
if your buying private that opens another avenue that can be very risky unless you know what your doing...
Go to my website www.usedvehiclefacts.ca and click on Buying Private VS Dealer...at same time click on others like...answers to most asked questions when buying a car...There is nothing that confuses me except answers to why you would have to pay a higher Ins rate...
Ray
