Call your insurance agent. That is the ONLY way to get a straight answer about your insurance! It may be that you are automatically covered for new purchases for a certain period of time, under your current policy. You won't KNOW if you don't ASK!
As for the registration, you will have to check with the DMV in the state where you make the purchase, and the DMV in YOUR home state. The rules in any other state are of absolutely no use to you. Here in Montana, we can drive for 40 days on a temporary registration or a Bill Of Sale. That fact is totally useless to anybody who is not buying a vehicle here!
Have a safe trip.
CM1, USN (RET)
2002 Fleetwood Southwind 32V, Ford V10
Toad: 2006 Jeep Rubicon LJ
Other toad: '06 PT Cruiser, Kar Kaddy dolly
Toy: 1977 Dodge W100 CC SWB, 3/4 ton axles & springs
"When seconds count, help is only minutes away!"
Thanks for the replies. I will get in touch with my insurance guy this evening. I think I will just beg the sellers to let me borrow their plates for the drive back, and promise to mail them back to them once I get there.
All you need is the VIN to get your insurance from most companies; do it over the phone after you close the deal and have the title and a bill of sale in hand. If buying from a private seller, I'd just ask to borrow his plates and return via mail. Dealer should give you a temp tag. Take a few hours and go over the mechanicals of the RV to ensure you have a safe trip home.
2002 Keystone Cougar 286, 8,400lbs loaded, pulled with a 2004 F150 Supercrew, 5.4, 3.73 gears. Retired and enjoying life
In some states, the plates stay on the vehicle forever (such as California).
In some states, the plates belong to the registered owner (such as Montana).
How does North Carolina handle it?
I once had a purchaser request that I leave the plates on the car for him. Before he took them off, he drove off without paying for gas, and I had a County Sheriff Deputy knocking on my door because the clerk got the license number!
Needless to say, I won't do THAT again!
You need liability coverage that meets financial responsibility requirements for where you are licensed to drive. If you are financing, the lender may require comprehensive and collision adequate to cover the loan, as part of that contract.
Check with your current carrier, they may automatically cover newly purchased vehicles for a limited period of time, at least liability. Mine (USAA) does. However, I usually call and get coverage before driving away, though it officially starts the next day.
I don't know the NC and Virginia specifics for temporary plates. If I buy used in Oklahoma the tag already on the vehicle is valid until it expires; then I can renew it or get a new plate. I bought my RV with a Missouri plate, that also worked because Missouri has the same rule, tag stays with the vehicle, but in that case I had 30 days to re-title and get Oklahoma tags.
It varies quite a bit state to state; at least you have adjacent states, unless you cut through Maryland for some reason.
Don’t drive without insurance. If you get into an accident the liability is yours and you’ll end up paying for it. Get your insurance before you drive back. All insurance companies provide quotes online.