Direct Auto Insurance: Adding A Vehicle Made Easy

If you've recently purchased a new or used car, you'll need to register it with your state's Department of Motor Vehicles (DMV) or transportation agency. The car registration process depends on where you bought your vehicle, whether it's your first time registering, and if you're renewing your registration. Dealerships usually handle the registration process, but if you bought your car from a private seller, you'll need to visit your local DMV to register it yourself. You'll need proof of car insurance, the vehicle's certificate of title, and a driver's license or another form of identification. Direct Auto Insurance can help new car owners find affordable car insurance that meets their state's minimum limits.

Registering a new car

Dealership Purchase:

If you have purchased a brand-new car from a dealership, the dealer will typically handle the registration process. You can drive off with a temporary plate and wait for your official registration and license plate to arrive in the mail.

Private Purchase:

If you have purchased a new car from a private seller, you will need to register the car yourself by visiting your local Department of Motor Vehicles (DMV) or transportation agency. Ensure that the seller properly reassigns the certificate of title to you, as you will need to present this to the DMV to prove ownership.

Registration Process:

Whether you are registering a new car for the first time or renewing your registration, you will need similar documents, although the specific requirements may vary by state. Here are the general steps to register a new car:

• Obtain the necessary documents: This typically includes proof of car insurance, the vehicle's certificate of title in your name, and a valid driver's license or other accepted forms of identification, such as a state photo ID, photo learner permit, birth certificate, military ID, or passport.
• Complete the registration form: For a new vehicle, use form V55/4, and for a used vehicle, use form V55/5. These forms can be downloaded, printed, and sent to the relevant authority, such as the DVLA in the UK.
• Provide proof of identity: Send a photocopy of your photocard driving license with your application form. If you do not have a photocard license, you can send a photocopy of another accepted form of identification.
• Provide proof of address: Send a photocopy of a recent utility bill, bank statement, or council tax bill to confirm your address.
• Submit supporting documents: In addition to the above, you may need to submit the following: vehicle tax payment, registration fee, evidence of a current MOT if the vehicle is over a certain age, a certificate of newness, proof of vehicle approval, and any other documents related to the vehicle.
• Inspection: In some cases, the DMV or relevant authority may inspect your vehicle to ensure it complies with the registration information.
• Receive your registration documents: After your application is approved, you will receive a vehicle log book, registration certificate, and license plate.

Remember to always keep your registration documents handy, but it is recommended to store them in your wallet or a safe place, rather than in the car, to prevent identity theft in case of theft.

Registering a used car

Dealerships vs Private Sellers:

When purchasing a used car from a dealership, they usually handle the title and registration process. You can drive off with a temporary plate, and your official registration and license plate will arrive in the mail a few weeks later. On the other hand, if you buy from a private seller, you'll need to visit your local DMV to title and register the car yourself. Ensure that the seller properly reassigns the certificate of title, as you'll need to present this to the DMV as proof of ownership.

New Registration vs Registration Renewal:

Whether registering a used car for the first time or renewing its registration, the required documents are mostly the same, although specific state requirements may vary. The main difference is that most states mandate first-time registrants and new residents to visit a DMV in person. For renewals, you'll typically receive a renewal notice in the mail, and you may be able to complete the process online or at a kiosk.

Required Documents:

Three things are generally needed to complete the registration process:

• Proof of Car Insurance: Most states require proof of auto insurance or financial responsibility to register and obtain tags for your vehicle. Even in states that don't enforce insurance requirements through registration, you must maintain minimum coverage or proof of financial responsibility while driving.
• Vehicle's Certificate of Title: The DMV will need to see the vehicle's title (also called a car title, certificate of title, or pink slip) with your name on it to establish ownership. If your name isn't on the title, you may need to contact the seller for a replacement or explore other options with your local DMV.
• Driver's License or Identification: All states require proof of identity (name and date of birth) for registration. While some states specifically ask for a driver's license, others may accept alternative forms of identification, such as a state photo ID card, photo learner permit, birth certificate, military ID, or passport.

In addition to the above, you will likely need to pass an emissions test or smog check and a vehicle safety inspection. These requirements may vary based on your county and state, so it's essential to check with your local DMV.

Registration Fees:

When registering a vehicle, you'll typically need to pay a registration fee, which differs from state to state. Some states charge a flat fee, while others use a scale based on factors like vehicle weight, age, or fuel efficiency. Contact your local DMV to find out the specific costs in your area.

Getting proof of car insurance

When you purchase a car insurance policy, your insurance company will send you proof of insurance. This is usually in the form of an insurance ID card, which is designed to be kept in your glove box. However, you may also receive a digital copy via an app or email. If you don't receive a digital copy, you can ask your insurance agent to send you one.

Your proof of insurance will include important information about your policy, including the policy number, the name of the policyholder, the insurance company and their contact details, the policy effective and expiration dates, and the vehicle make, model, year, and VIN.

If you don't have proof of insurance in your vehicle, you could face fines or a license suspension. You may also need to provide proof of insurance when registering your vehicle, obtaining a vehicle inspection sticker, or getting a driver's license.

Vehicle registration fees

In Massachusetts, the cost of registering a standard private passenger vehicle for two years was $60 as of 2021. The Certificate of Title fee is $75, and a vehicle inspection, which must be done within seven days of registration, costs $35. For vanity plates, there is an additional $50 fee, bringing the annual registration cost to $80.

It is important to note that vehicle registration requirements and fees can vary from state to state, so it is recommended to check with your local DMV or transportation agency to understand the specific requirements and fees applicable to your location.

What documents to keep in your car

Keeping certain documents in your car is essential, especially if you are involved in an accident or are pulled over by the police. Here are the key documents you should always have with you in your vehicle:

Driver's License

Your driver's license is one of the most important documents to have when driving. It is required by law to have your license with you while operating a motor vehicle. Driving without a license can result in penalties such as your car being impounded for 30 days, a suspended license, fines of up to $2,000, and demerit points on your driving record, leading to higher insurance premiums. While it is typically kept in a wallet or purse, some people also keep it in the glove compartment or centre console of their car.

Vehicle Registration

Vehicle registration is another crucial document to keep in your car, specifically in the glove box or another easily accessible location. This document proves that your car is registered with the relevant local agency and that you or a family member own it and are legally allowed to drive it. If you are pulled over, law enforcement will likely request to see this document, and you may be fined if it is not readily available or has expired.

Proof of Insurance

Car insurance is required in almost every state, and it is essential to have proof of insurance in your car at all times. This document will be provided by your insurance company and should be kept in your glove box or centre console. In the event of an accident, you will need to exchange insurance information with the other drivers involved. Additionally, if you are pulled over by the police, they will likely ask to see proof of insurance.

Other Useful Documents and Items

While not mandatory, it is recommended to keep certain other documents and items in your car for convenience and safety. These include:

• Your car's manual, which can be helpful for troubleshooting issues, especially in areas with poor cell phone reception.
• A pen and paper for writing down insurance information, taking notes after an accident, or keeping children entertained on long trips.
• Emergency contact numbers and medical information for yourself and your family members.
• A flashlight, napkins/wipes/tissues, hand sanitiser, high-energy snacks, plastic bags, and a lint roller are also useful items to have in your car.

Frequently asked questions