car insurance on stt/stj?
I'm about to buy my first car in the VI and am getting overwhelmed by roadblocks at every step of the way. I'm buying a car from a mechanic in STT and there's currently no insurance on it- so the DMV won't let us transfer paperwork until I get insurance- but I live on St. John so I'm not sure which company I should go to on STT. Any recommendations or horror stories you'd like to share? I'd be most appreciative.
I live in STJ and bought a Jeep on STT about a month ago. I insured with Theodore Tunick. They have offices in both STT ( Tunick Building on Beltjen Rd) and STJ ( Mongoose). Does the mechanic own this car? You need to have the owner sign the registration and title over to you (both have to be notarized) We did this part right at the Tunick office in STT. They will then issue the insurance policy. If the owner is not going with you to BMV be sure to get a notarized copy of his ID as well.
Take the notarized registration, title, owner ID, your ID and insurance card to the BMV.
I had brought my Jeep back over on the car barge and registered it here. Ran into some problems as I did not have a notarized copy of the sellers ID. After taking care of that, I was able to get the whole transaction completed. A pain, but not impossible!
Robob is on track.
My recommendations is the same advice Robob is providing with a solution to having insurance available the day you are purchasing the vehicle:
Obtain a copy of the title, old registration. Contact the insurance copy of your choice, get the insurance and have the insurance company provide a copy of the proof of insurance be fax, email, etc....Proceed to who your are buying the car from, and head to the DMV with the car, insurance paperwork, title, bill of sale, registration, etc....and all the documents you need to register the car.
Here are ST Croix, a notary is on site at the DMV. If the seller is not coming with you, like Robob states, you need a notarized bill of sale, the registration signed over to you---and notarized, and a copy and notarized of the seller IDs.
If you a veteran or son or daughter of a veteran, i.e veteran is defined someone serving in the military with an honorably discharge by USAA; USAA veteran definition does not require combat service(call USAA Insurance or visit their website for more information on eligibility 1-800-531-8722), USAA will email and or fax you proof of insurance within 5 minutes after you get the insurance). I have not been told by one person living in the VI USAA rates and coverage saved them monies.
I have not been told by one person living in the VI USAA rates and coverage saved them monies.
I was able to increase my coverage and cut my premium by about half by moving from a local insurance company to USAA. If someone is eligible for USAA, they need to seriously consider them when comparing insurance rates. The USAA app for Android and Iphone is also extremely good...
I second Tunick.
do most of the car insurance companies state side NOT have coverage on the islands?
The insurance industry is regulated by the local government. They make it difficult for folks to do business here, so there is little competition.