What You Should Know About Vehicle Title Services in Gilbert
There are many things you should know about vehicle title services in Gilbert. Buying a vehicle can be an exciting time, but there are rules to follow and paperwork that must be filled out. Registering your vehicle in Gilbert is important and this is what you should know.
Applying for a Vehicle Title in Gilbert
In Gilbert, when you buy a vehicle, you must apply for a title within 15 days of the purchase. That is the law in Arizona. You currently have two options for applying for a vehicle title in Gilbert. First, you can opt to do everything online. This can be done through eTitle Transfer. It is a safe and secure option. If you prefer to do business in-person, you can visit an authorized third-party dealer, like 1 Stop Title Loans. Conveniently located in Gilbert, 1 Stop Title Loans and Motor Vehicle Services can help with the title of your vehicle and so much more.
Keep in mind, no matter which option you choose, you will no longer receive a paper copy of your title to your vehicle. All titles will be held electronically. You can request a paper title by calling 602.255.0072 and asking for a copy to be mailed to you. The service fee is $4.
In addition to applying for a vehicle title in Gilbert, there are other steps to be aware of before your vehicle can be fully registered. They are listed below:
1. Emissions Test
Before you can register your vehicle, you may need to pass an emissions test. The Arizona Department of Environmental Quality is responsible for the emissions testing program and laws. A test is required based on the address on file and the year of your vehicle. To inquire about the emissions history of your vehicle, click here
2. Vehicle Insurance
By law, you are required to carry insurance on your vehicle in Gilbert. At minimum, you must carry liability insurance. Minimum levels of financial responsibility are:
- $25,000 bodily injury liability for one person and $50,000 for two or more persons
- $15,000 property damage liability
Your insurance company will notify the MVD of your new policy, if you cancel your policy and if you fail to renew your policy. Should you not keep insurance up-to-date, your insurance company will notify the MVD and you will receive an inquiry notice to verify your insurance status. If you fail to maintain the appropriate level of vehicle insurance, you have your vehicle registration or driver license suspended.
3. Proof of Ownership
When your vehicle title in Gilbert is completed, it must be notarized. When you move here from another state, your out-of-state registration will be surrendered at the time of application in exchange for your Arizona title and registration.
4. Loan Information
Before you can transfer the title of your vehicle to another person, a lien release is required. If the lien on a vehicle has not been paid off, then you will need written permission from the lender to add or delete a name on the title.
Again, if you are moving to Arizona from another state, all liens on your existing title will be recorded on your new title, unless you are able to provide an original lien clearance from your lender containing the vehicle identification number (VIN), year, make and model, original loan amount, date of contract and the lender’s complete name and mailing address. If the loan recorded against your vehicle and title is being held by a lender in another state, then only the registration may be issued.
A signature is required by all applicants listed on the application for the Arizona title.
6. 90-Day Registration
Should you not be able to provide all the documentation required for your vehicle title, you might be able to apply for a 90-day registration. When you are approved for a 90-day registration, it means you can operate your vehicle legally as you obtain further documentation. When your completed documentation is submitted, the vehicle license taxes will be calculated, for the full year, back to the date of issuance of the 90-day registration.
If your vehicle comes from out-of-state, those plates will be discarded. When transferring a title and registration, the seller should keep the plates that are on the vehicle.
Knowing how to properly get the title secured for your vehicle in Gilbert is essential. Many things can now be done online, but you still have access to in-person services by visiting 1 Stop Title Loans.
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