First, you need to determine whether this is a first time vehicle registration. Although that could mean you just purchased a brand new car, it could also mean that you bought a vehicle second hand or just recently moved from another state, which requires you to register your vehicle in your new state of residence. Depending on the state in which you live, you will likely face time restrictions on the number of days that can pass before you must register the vehicle by law.
In most states you’ll need to first purchase auto insurance before you can register a new vehicle. Your auto insurance must meet your state’s minimum liability coverage requirements, and you must be able to provide proof of coverage when you register the car. If you are not getting a first time registration and instead are merely renewing your coverage, you are still likely to have to provide proof of insurance coverage to maintain state registration.
How to Get Your Vehicle Registered
The easiest way to register your vehicle is to purchase it from a car dealer. Whether you purchase new or used, most car dealerships will handle the vehicle registration process for you and even roll the cost of your registration into the loan you use to finance your purchase.
However, if you are moving from another state or purchase the vehicle from a previous owner, you must provide your state’s registration issuance department with your proof of ownership of the vehicle. That may be a bill of sale or the vehicle’s title. You’ll also have to provide proof that you are licensed to drive the vehicle and provide proof of insurance. Some states also require a vehicle emissions inspection before granting a registration. Be prepared to pay a registration fee, which varies by state and according to the type of vehicle you drive.
Depending on the state you register your vehicle in, you may receive a registration sticker to go on your windshield or license plate. Some states, such as Connecticut, do not supply drivers with registration stickers, but instead provide a registration certificate that must be carried at all times in the same way a driver’s license or insurance card must.
Your insurance company may cancel your insurance policy or may refuse to renew it sometimes. So one should first understand the difference between non-renewal and cancellation. There is lot of difference between the cancellation and non renewal of the insurance policy. Your insurance policy can be canceled in two ways, either by the insurance company itself or by you itself. Your insurance policy can be canceled if you feel that you do not need the policy any more. Just by inform the insurance company that your canceling your policy. The end of your insurance policy at the normal expiration date is non-renewal.
Watch How The Policy is Canceled ?
Your insurance policy must be canceled before your previous policy ends. Your insurance policy can be canceled after 60 days only with the following conditions:
- You should always provide proper and accurate information to the insurance company when you are purchasing the policy. The insurance company itself can cancel your policy if you do not provide accurate information.
- Any driver who stays with the insured person or operates your vehicle regularly, then the state will suspend driver license or vehicle registration. The company also should provide 45 days written notice before canceling the policy.
- If the premiums are not paid monthly properly as specified then the insurance company will cancel your policy.
Be Safe with Non-renewal
Non renewal of a policy does not mean that the insurer has done something wrong. It means that company is focusing on different forms.
- Overweening accidents or claims – If you have done more number of accidents the insurer may not renew his policy. If the underwriting guidelines are not met then also you policy is not renewed. If you have only one not at fault accident within three years then the company will not reject to renew your policy.
- Traffic violation – If a insurer has done a major violation like DUI then also the insurer does not renew the insurance policy. If you have many minor convictions then also the company will not renew your policy.
- Guidelines from Company – If you do not qualify for any coverage then the company has all rights to deny renewal of your policy. Few instances such as more of comprehensive or towing claims, coverage for your sports car and etc. do affect your renewal process.