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Old 01-31-2019, 10:37 AM   #1
Mini-Skoolie
 
Join Date: Jan 2019
Location: New York
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Bought retired bus, now need to drive it 100 miles

Hello all!

SO I recently bought a bus to convert it into an RV but the problem is, is that I was told there is no way I can get temporary insurance/registration in order to transport it from where it is to my home so I can begin working on it? Doing commercial policy quotes show me $621 dollars a month which is really absurd. I'm not even going to need the insurance for the full month. I have a regular car insurance with state farm and I live in NY, any ideas?
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Old 01-31-2019, 10:43 AM   #2
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Normally we get a "Commercial for Private Use" policy for the build out. Then RV insurance once its converted. Check with your existing car policy and see if they automatically cover you in a new/used purchase for a short (1-2 weeks) period. If you get an expensive policy to get it home, cancel the insurance once you get home for a refund of the unused time. State Farm is who I'm with and they will and DID cover the bus on the trip home fro Seattle to Atl. You will be insured by them whether you buy a new policy or not.
Where is the bus? Fill out your profile in the UserCP so we can better assist you in finding solutions, every state is different.
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Old 01-31-2019, 10:43 AM   #3
Skoolie
 
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Each state has different regulations. That is to say that not all insurance companies serve all markets. I have insured my bus in California with both AllState and Progressive.

The initial policy I got was a Commercial for Personal Use from Progressive for about $50/month.

I then switched over to AllState RV insurance once it was registered in Vermont (6 weeks from purchase to tags and title) with a California address.

But beware - this was for a bus that was registered with a California address. Each state is different. You will have different results. Best when asking about insurance, is to include what state you want to register/insure it in.
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Old 01-31-2019, 10:46 AM   #4
Mini-Skoolie
 
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It's located in Stamford CT and my house is located in New York. So if State Farm does cover new car purchases, how would I present this to the NY/CT DMV?
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Old 01-31-2019, 10:49 AM   #5
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Quote:
Originally Posted by the7exp View Post
It's located in Stamford CT and my house is located in New York. So if State Farm does cover new car purchases, how would I present this to the NY/CT DMV?
Why would you deal with either of them if you are legally transporting your bus that is covered under your existing policy and has a temporary tag applied. Ct is a stickler for DMV enforcement, so I would buy a temp tag to get it home.
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Old 01-31-2019, 10:49 AM   #6
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Welcome,

You will find that insurance offerings and regulations vary notably by carrier and state.

I have insured three buses with State Farm with good success.

New vehicle purchases are automatically covered for 14 days under my existing policies. Marc, down in Georgia, has mentioned that he gets 7 days coverage extension on new purchases.

Another member told us that their policy extended to New purchases but commercial type vehicles are excluded.

So..... To start with, I would suggest that you check with your existing insurance company and see if your existing policy will cover your trip home.
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Old 01-31-2019, 10:49 AM   #7
Skoolie
 
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Quote:
Originally Posted by the7exp View Post
It's located in Stamford CT and my house is located in New York. So if State Farm does cover new car purchases, how would I present this to the NY/CT DMV?
If you are going to register with a NY address, then you would need to get a NY policy.

As for registration, like insurance, each state DMV has different requirements for converting from a School Bus to a MH registration. California is very strict, I went the route of converting it without inspection through VT registration.
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Old 01-31-2019, 10:51 AM   #8
Mini-Skoolie
 
Join Date: Jan 2019
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Quote:
Originally Posted by o1marc View Post
Why would you deal with either of them if you are legally transporting your bus that is covered under your existing policy and has a temporary tag applied. Ct is a stickler for DMV enforcement, so I would buy a temp tag to get it home.
When I called both DMV's I was told the bus had to be on the policy ID card, is this not true?
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Old 01-31-2019, 10:53 AM   #9
Mini-Skoolie
 
Join Date: Jan 2019
Location: New York
Posts: 23
Year: 2002
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Quote:
Originally Posted by o1marc View Post
Why would you deal with either of them if you are legally transporting your bus that is covered under your existing policy and has a temporary tag applied. Ct is a stickler for DMV enforcement, so I would buy a temp tag to get it home.
See above comment, I forgot how to quote on these fourms lol
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Old 01-31-2019, 10:56 AM   #10
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Quote:
Originally Posted by the7exp View Post
When I called both DMV's I was told the bus had to be on the policy ID card, is this not true?
If your State Farm office will insure it for the trip home remember that buses are basically invisible on the road to LEO. You have to drive like a complete idiot to get pulled over in a bus, they often don't do more than the speed limit. I drove over 3k miles with no tag , only my current insurance policy, a bill of sale and a signed title. Registration , in the great scheme of things, is minor compared to insurance requirements. I think we have a member here who has been driving unregistered for years.
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