No, vehicle registration and car insurance are not the same thing, but they are related. Showing proof of insurance that meets your state's minimum requirements is part of the BMV or DMV vehicle registration process. Additional steps include providing proof of ownership (car title), passing a vehicle inspection, and paying any fees. Affected by Tennessee storms? See this special message.
We work with independent agents who provide local, personalized experience. We have received numerous awards for customer service and claims management. We believe that it is our corporate responsibility to help local communities not only financially, but also with our time and talent. We offer online access, because insurance should be easy to manage.
We offer our insurance products through independent agents because of the many advantages they offer. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. If you're currently insured with another insurance company, you can simply start a new policy with your new car. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle.
Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. Most states require minimum auto insurance and vehicle registration coverage, so it's important to have proof of insurance and registration when driving. However, an insurer may decide not to insure a person whose name is not on the vehicle registration.
In the insurance world, claims are commonly referred to as losses, and the amount of losses a particular brand and model has can affect the cost of insuring. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.