Bought a truck and need insurance to drive it home.

Talk to your insurance agent/explore your state insurance regulations. Your current vehicle/homeowner policy may/probably automatically extend to cover any vehicle you buy for 30 days.

 

put bobtail on it drive it home then cancel,thats how i did it Washington to north Carolina

 

If your planning on putting it on the road soon, don't forget you may need to take it in for maintenance, yearly inspection sticker, lease inspection, lettering, etc... Bobtail insurance isn't much.

 

OOIDA has some of the best rates. I checked around and was cheaper then the insurance offered by my carrier by leaps and bounds saving $237.24 a month. OOIDA will not jerk you around. Even to get the insurance to bobtail the truck home with any insurance company you are going to pay to bind the insurance even if you only want it for a month and then cancel. Have you asked your carrier if they will get your insurance for you? Esp if you are going to be running their plates. When I bought mine while at the dealership I faxed all the info on the truck to the company I was leased to and within 30 minutes I had my temporary permit and BT & Physical Damage Insurance on the truck rolling off the lot.

Don't forget to pay your 2290 Heavy Road Use Tax $550 a year but since its half way thru it I believe it's prorated, its due 1st of July annually but your 2290 must be filed by the last day of the month following the month of first use. Go to your local IRS Office and pay in person so you don't have to wait for your stamped 2290 or you can pay it online your need to apply for an Employer Identification Number (EIN) it's free then you can pay your heavy road use tax online will take 4-6 weeks to get your stamped 2290 back . Then you need to get the title in your name and that's going to cost you roughly 5% of what you bought it for up to I believe $2,500 check with your home state's DMV. This will cover your sales tax, title fee's. Make sure the dealership gives you a fresh DOT Inspection rolling off the lot, this will save you a little cash starting off.

Apply for EIN# here; http://www.irs.gov/Businesses/Small...n-Employer-Identification-Number-(EIN)-Online

File Form 2290 here; http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Trucking-Tax-Center

Hope this helped a little, good luck with your new truck.

 

Did you by chance ask richie bros if they have a service they work with or recommend? Usually they can direct you to a company that helps with this and your temp permit to get it home.

 

Check with your existing coverage. Your coverage now may cover you if you bobtail home.

As far as actual bobtail ins, if you know who you are going to lease on to, call them. Some ins. companies only insure certain carriers, so you may end up getting a different ins. in the end.

Check cancellation fees also. Some may penalize you for early cancellation. I don't believe that you can actally get bobtail instance without actually signing a lease.

You can also check what it would cost to have it shipped. It may cost double what your expenses are driving back, but it's your time, finding ins, etc.

I am in Philly, too. Let me know how you make out. I have always wondered about doing this. I would bet you got a good bargain at this time of year. Good luck.

 

When I bought mine I called my auto insurance company. Explained it out and value of truck. She put me on until I called to cancel it once I had big truck coverage. And cost was under 100 in my case. Although the cost will vary I'm sure. She emailed me a card that showed my truck and other vehicles. Hope it helps