What’s the Difference Between a Car’s Registration and Title?
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When purchasing or renting a vehicle, there are a number of documents you’ll need to fill out and keep track of. Two of the most important documents are the vehicle’s title and registration. Not only are these necessary to legally purchase the car, but you’ll need to have them on hand in order to get a car insurance policy. While these two documents may sound similar, they are separate from each other and serve different legal purposes. Here’s what you need to know about the differences between vehicle registration and title.
What Is a Car Registration?
Your car registration is a document you’ll need to file with your state before you can legally drive there. Registering your car gives the state the information they need for you to head out on the road. It also indicates that you’ve paid the state’s required registration fees. Every state has slightly different laws regarding car registration, but typically you will need to re-register your car every one to two years. You’ll also need to re-register your car when you move out of state.
After your car has been registered, you’ll get a license plate and sticker to put on your car that serves as proof of registry. You’ll also receive a copy of the formal registration documents. You’ll need these if you are ever pulled over by a police officer while driving. In many states, you could be fined or even face jail time for driving an unregistered vehicle, so you should always make sure your vehicle is properly registered before driving.
What Is a Car Title?
A title is different from a registration in that it proves your ownership of the vehicle. While both titles and registrations need to be filed with the DMV, they each contain different information. The title indicates the owner of the vehicle, which in most cases will be you. If you’re leasing a car, your lienholder will be listed as the owner instead. Title documents also allow you to transfer the car to a new owner if you sell it later on. If the car has multiple owners (ie., you and your partner own the car together), they will all need to be listed on the title. The title will also have other key details about the car. This includes the car’s vehicle identification number, or VIN, as well as the year, make, and model.
How Do I Register My Car?
Registering your car is a multi-step process, and it’s one you’ll want to start as soon as you purchase your vehicle. Since laws can vary slightly between states, check your DMV’s rules before starting the registration process. Many dealers give you the option to get a temporary registration from them. They’ll also usually be able to mail you your license plates. The temporary registration normally lasts for 30 days.
Before that 30 days is up, you’ll need to register your car formally with the state. In most states, you’ll need to get your car insured before you can register it. If you already have a car insurance policy, you may be able to add a new car directly to it. Otherwise, you’ll have to purchase a car insurance policy. Purchasing a new insurance policy is simple, and many of the nation’s most popular insurers now allow you to complete the process entirely online. Proof of insurance documents will be required to complete your registration.
Some states will allow you to register your car online, while others will require you to go to the DMV and do it in person. There are several documents you’ll need in order to register your car, so make sure you gather these up ahead of time. In addition to proof of insurance, you’ll need your driver’s license, car title, proof you’ve paid your state’s taxes and fees, and the transaction statement and bill of sale for your car. In most cases, you’ll pay your state’s taxes and new car fees directly with your dealer when you purchase the car. Some states will also require you to complete a safety and emissions inspection to prove that your car meets their safety standards.
You’ll also need to complete a registration application form. This form will ask you to provide basic identifying information about your vehicle, such as the VIN and license plate number. You may also need to identify any modifications you have made to the car. When you submit the registration application, you’ll also need to pay your state’s registration fee. The cost of the registration fee will vary depending on where you live and what type of vehicle you have.
How Do I Get a Car Title?
There are a few different ways you can get your car title, depending on your situation. If you purchase a car outright, the dealer will send the title to the DMV for processing, and then a copy will be sent to you once the title has been finalized. If you’re leasing a car, your name won’t be on the title until the loan has been fully paid. However, you can still get a copy of the title from your lienholder to register the car.
If you’ve lost or damaged your car title, you can request a duplicate one through the DMV. You’ll typically need to fill out a form and pay a fee, and in some states, you’ll need to have the form notarized. It’s very important to have a valid title for your car, as it’s required for the registration. Since your registration needs to be renewed every year or two years, you should always keep your title current.
What Are the Different Title Types?
There are a few different types of titles, and they indicate the state of your car. A clean title indicates that your car has not been in any major accidents or otherwise sustained major damage. A salvage title indicates that the vehicle is damaged to the point that it is considered a total loss and cannot be safely driven unless it is repaired. Insurance companies will not cover cars with salvage titles. A rebuilt title indicates that the car has been totaled in the past and has been reconstructed. It is very difficult to get insurance with a rebuilt title, but you may be able to get liability coverage.
There’s another classification for titles called a clear title. This indicates that the car only has one undisputed owner. Those who are leasing a car would not typically be considered to have a clear title, since both the lienholder and the lessee are involved with the car.
What Happens If I Don’t Register My Car?
The laws for car registration vary depending on the state you live in. Not only will you need to register your car when you first get it, but you’ll also need to re-register it every two years. If you’re caught with an expired registration, you typically will be subject to a fine. However, if you are caught driving a car with no registration at all, the punishment could be more severe. You should always register your car as soon as possible after purchase to ensure that you aren’t subject to fines and fees.