Question about insurance, registration for a car bought out of state.?

Question

My husband bought an old beater for work from my stepfather who lives in Missouri (we live in Illinois) for a hundred dollars.

We need to get it insured, the sticker on the car's MIssouri plates read August of 2008. Can we wait to have it titled and registered in our state until that date and still have insurance put on it? Or can we not get it insured until it's registered in the state of Illinois?

Sorry if what i'm asking doesn't make sense. We still have the vehicles we bought when we were teens, and at the time our parents did all the paperwork for this stuff so this is extremely new to us.

Answer 1

Most places have a time limit to get a car re-licensed and registered by the new owner, it varies by state and can be as little as 4 days after purchase.  As for your insurance, it's illegal to drive it without insurance, no matter what.

It doesn't matter what the old plates say, that was under your step-father's registration when the car was his.  When you bought the car, he should have given you the title with the purchase amount and info filled out to transfer it to you.  You need to take the title down to your DMV, where they'll start the process to get the title transferred to your state and into your name.  You'll most likely receive a temporary registration for the car while they wait to get that done.  Most temporary registrations expire within 30 days, then you have to get it permanently registered and new plates.  Once you have the temporary registration done, call your insurance agent and get the car put on your insurance.

Answer 2

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Answer 3

Did your step-father take the car off of his insurance policy?  If so, then the car is not insured and if you have an accident, you may get sued if you are at fault.  

You cannot add a vehicle to your insurance policy, unless you are the owner.  Technically, the car is in your step-father's name, so you cannot put it on your insurance.  So, you should just go get it titled and registered and do it the right way.