How can I buy insurance on a car with a salvage title?

A couple of years back, I impulsively bid on a car with a salvage title at an auto auction, and to my surprise, I won it. I decided to make a project out of it, and three years later, it looks brand new! Now, though, I'm trying to insure it, and I can't find any providers willing to insure it, despite the fact that it is fully repaired. How can I buy insurance on my salvage car?

Answer
Congratulations on completing such a hard project! The bad news is that it might be very, very hard to find anyone willing to offer full coverage on a once-salvaged car. Because it’s been totaled once, it’s a risk for insurance companies to insure it, so some might be unwilling to give it a chance.
The good news, though, is that there are steps you can take to get it as fully insured as possible:
  • Make sure you have valid registration.
  • Undergo a safety test. Your car will have to pass to ensure that it’s drivable.
  • Get a rebuilt title from the DMV for your car. This makes it insurable and legal to drive on the road.
  • Shop for basic liability coverage to meet your state’s minimum requirements.
  • See if your insurance company also offers collision insurance for rebuilt vehicles.
To make sure you’re getting the best deal and the most coverage possible for your car, it’s a good idea to use tools like Jerry. We’ll find you multiple free quotes to compare instantly so that you can simply choose the best option and get back on the road again!
Ben Guess
Answered on Nov 01, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.
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