Winslow Arizona, Car Insurance Writer
@winslow_arizona
You can get insurance on a car with a salvage title after the car is repaired, inspected and issued a rebuilt title. At that point, you will be able to get liability insurance with the rebuilt salvage car, though some insurance companies will be hesitant to provide full coverage for the vehicle. Even after repairs, insurance companies are still hesitant to cover a car for its full market value if it was given a salvage title. Some companies refuse to insure such vehicles at all.
How to get insurance on a car after a salvage title
- Get the car repaired and inspected.
- Surrender your salvage title to the DMV and have it replaced with a rebuilt title.
- Get the original repair estimate from when your car was totaled.
- Get a certified mechanic’s statement verifying its safety, and photos from before and after repairs in order to get insurance quotes.
- Shop around for coverage and get quotes from multiple insurers before purchasing a policy. Major insurance companies that cover repaired vehicles include Progressive and The Hartford.
Insurance companies that will insure cars after a salvage title
- Progressive
- Allstate
- Geico
- Safeco
- Farmers
- State Farm
- Liberty Mutual
- American Family
- USAA
- 21st Century
Finally, it's important to note that the amount of insurance you can get for a salvaged car varies from company to company. Often, insurance companies are willing to provide liability coverage - insurance that covers any damage that you cause with your car. Some companies also offer collision coverage for salvaged cars, though they might not cover the full value of the vehicle.
tabbyhat, Member
@tabbyhat
My state farm agent told me that they would not put full coverage on my car if it had a rebuilt title. Just liability.
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