Question:
okay i'm new to America and i'm planing to buy a car for about 14000 in cash , do you need to get insurance ? and is the tax on cars the same as sales tax ? , and any info about buying my first car ! would help !
Answers:
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Paying cash for an automobile does not automatically entitle an individual to legally operate that automobile in the U.S. To my knowledge, there isn't any state in the United States that doesn't require at least liability insurance in order to get a state issued tag for a car.land rover discovery . tdi or td5 ??
Can you NOT have car insurance? Of course. There are many ways to avoid paying for car insurance: All of them illegal.
Taxes on automobiles vary by state. In Oklahoma, taxes are paid on an automobile through a yearly property tax assessed against your vehicle according to the age of your vehicle. In Missouri, you are assessed a separate vehicle tax and a property tax on any other property you own. In Missouri, an individual is assessed a tax on an automobile each time that automobile is sold, according to the price of the automobile and the Missouri State Tax rate, including any city tax rate.
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Before buying an automobile, boat, recreational vehicle, all-terrain vehicle, or any motorized means of transportation in any state, you need to carefully question the person who is selling.
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Welcome to America!
Driving without insurance is illegal. Doing so is unfair to other drivers with whom you share the road.
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In many states if you do not have insurance and you have an accident or get pulled over, you will receive a ticket and possibly lose your license to drive. It is a good idea to have insurance to protect your investment in the case of an accident and to protect yourself from lawsuits if the accident is deemed your fault. When you license your vehicle and get your license plates, etc. you are usually required to show proof of insurance as well as pay the local sales tax on the declared purchase price of the car.It is illegal to own a car without at least liability insurance. Even if you pay cash for the car. People do, but it is illegal and dangerous for everybody. And if you crash your car, you will have nothing but a wrecked car. Insurance protects you from that.
As far as tax, well different states have a different percentage on sales tax. Check with your state. Some states have luxury tax on vehicles that cost over a certain amount. And some states charge a property tax, over and above the sales tax. There could be a number of different taxes involved when buying a car in America. So check it out with the state in which you live or the dealership you are buying the car from, if you are getting it from a dealership. If you are buying it from an individual, make sure you know the rules of your state before even considering it. Then make sure he/she has a clear title, no lien holder, get a written receipt from the seller. Notarized preferably. Some states require that too, other don't, but be safe and get it notarized. Check and make sure that the VIN number on the car and the title match. And take the car to a reputable mechanic before you buy it from an individual...to make sure it is in good shape and worth the investment.
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