How do I buy a car from an insurance company?

I'm a budding car mechanic and I've heard that insurance companies often sell totaled cars for cheap. I'm looking to buy a car I can fix up and work on, so this is great news—I'm just not sure where to start. How do I buy a car from an insurance company?

Answer
“Kudos to you for taking on a challenging project!
You’re right—insurance companies do often sell totaled cars for affordable prices, which can mean getting a great deal on the car itself, if you can either afford the repairs or make them yourself.
Insurance companies don’t usually sell them directly, however—instead, they tend to put them up for auto auctions, with the car going to the highest bidder. Keeping an eye out for auctions near you can be a good way to get a great deal.
A word of caution, though—even after it’s repaired, a totaled car will still have a salvage title attached to it, which can be a huge headache to try to insure. (And what’s the point of having a car if you can’t drive it?)
A good solution to this is to use free tools like Jerry, which can be a big help here. We’ll do the work of comparing quotes from different providers to find you the best deal, so you can focus on repairing your car.”
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Ben Guess
Answered on Aug 19, 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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