if car title is in 2 peoples name and they want to sell it who would have to sigh it over?

Question 1
if car title is in 2 peoples name and they want to sell it who would have to sigh it over?...  if one of the 2 that the titles name is in wrote bill of sale to the other and that person with the bill of sale trying to sale it who would have to sign it over to person who wants to buy it
one person that was on the title sold it to the other with bill of sale and the person with the bill of sale tryinh to sale it so shouls the person with bill of sale and their name on title also would they be the one to sign it over

Answers
1)   Think you'd better call the title office for an answer to this one.... - rick29148

2)   both owners sign it over - ken k

3)   If the title is made out to... Joe "or" jane, either can sign it. If it is made out to Joe "and" Jane, both must sign.. - Fonz

4)   Both owners (people on the title) have to sign the title over to the person buying it. The question is somewhat confusing to me! Why not have the two people on the title sign the title and bill of sale, then turn those two instruments over to the individual that wants to buy! - Cajun

5)   Yeah, Fonz is right. - Robert J.


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Question 2
Full coverage with Auto Loan?...  I am new to this, but I am looking to purchase a newer vehicle. My question is because this will be paid with a bank loan does the bank require you to have full coverage or is it the insurance company. Also what is the typical loan amount that full coverage does become mandatory?
Thanks.

Answers
1)   Because it's basically the bank's property til paid in full, they require you to have full coverage. I believe you need full coverage on any car that is being financed. - kingsinep

2)   The lender will require full coverage insurance as a condition of the loan. Many lenders also specify coverage limits and deductibles. - Scott H

3)   The bank or finance company requires full coverage insurance in order to protect their interest in the vehicle. Once you pay off the loan, then it's up to you if you want to continue full coverage or drop down to your state's minimum required insurance. - JetDoc

4)   They're all correct; if you don't carry full coveage, with the lender named as the lienholder, the lender will apply single interest coverage; that covers only their interest in the loan balance, and the balance is often more than the car's worth. If the car is totaled while you're "upside down" on the loan, you'll still owe the difference between the insurance payoff and the balance. That coverage is also very expensive, and the premium is added to the loan balance, so you lose both ways. It's much better--and cheaper--to carry the insurance. - David

5)   There are many auto loan options available today. Today, stiff competition among auto loan financing companies has made it possible to get a car loan or an auto loan at favorable terms.

http://www.worldbestloans.com/

However, before you sign the paper for financing your favorite set of wheels, do your homework to ensure that you get the best car finance option. You can apply for online car loans on the Internet, or get it from your car dealer. - Avery


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Question 3
can i still drive when i have my license without insurance with my parents in the car?...  

Answers
1)   You'll need to have insurance on the car you're driving as it is illegal to drive an uninsured car. - Emmz.

2)   Actually you cannot drive. But these days you are in trouble only when you meet with any accidents - Raj

3)   If the actual owner of the car has insurance that will cover anyone who drives the car, then yes. Otherwise, NO. - jmiller

4)   Since it is your parents car they will have to have you added to the insurance. If they have multiple cars, more than likely you insurance company will require you to be added to the most expensive car even if you would not be driving it. My father-in-law came across that issue when my brother-in-law began to drive his car. But yes, It is illegal to drive uninsured, and assuming that you are just covered under the other person's insurance is the wrong way to go. Even if you drive someone else's car other then your parents, their insurance may not cover you if you are under a certain age. Good luck with the driving! - david_d_gates

5)   Getting new car insurance is a no brainer way to save a lot of money. You can get a simple estimate online they most often give you multiple quotes.

I know people who have used and recommend http://www.LowRateToday.com - Sung S


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Question 4
How big of a difference does having a two door car compared to a four door car make on insurance?...  Im going to get my license soon (im 16) and i was wondering how big of a difference there is on insurance with a two door car compared to a four door car. I was thinking of getting a 95' Civic but my dad said he didn't know because he thought it may be too much on insurance. what do you think?

Answers
1)   Especially on a car that old, there'll be no difference between a 2- and 4-door for liability coverage. If you have to carry "full" coverage, it'll vary by make and model, but the number of doors isn't really important. - David

2)   Yeah, you just get your license. Getting your license's simply a law of nature - Maisie

3)   A 14-year-old car will probably cost more to maintain and repair than it costs to purchase.

Be that as it may, insurance rates are not determined simply by the number of doors, so much as they are determined by the accident rates for that particular car. Even two cars that are physically identical (same doors, same engine, same factory, same everything except for the name on the back) can have very different rates. (For example, one company made two identical models and called one an SUV and the other a minivan, even though they were really the same. The insurance companies discovered that the ones that were called "SUV's" had higher accident rates than the ones that were called "minivans", even though they were really the same. The reason for this was that the drivers who bought the "minivan" drove more carefully than the drivers who bought the "SUV".) - StephenWeinstein

4)   It doesn't matter how many doors a car has. Every vehicle on the road falls into a certain category, whether that's a compact, a sports car, a station wagon, a truck, an SUV, etc. And, the rates for car types that are higher risks would be higher than those for cars that are lower risks.

For example, a Ford Taurus would be a much lower risk than a Mustang GT, because the Mustang would be considered a sports car and more likely to be driven in a riskier manner. But, the insurance on a two-door Taurus versus a four-door would be the same.

An older Civic might be considered just a compact car. But, the higher performance models might fall into the sports car category and have higher insurance rates than the non-sporty models of the same year. - Paul in San Diego


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Question 5
Do you have to go to driver's ed. before you get your license?...  I'm from Kansas. Is it required here?

Answers
1)   If you're a minor, yes. - not a top con & proud

2)   im not from kansas, but it most likely is. its required in nearly all states - Chris

3)   Do you have to go to driver's ed. before you get your license?

I'm from Kansas. Is it required here?

Ask your dad

oh wait thats me ROLFCOPTER - Your dad

4)   it depends on how old you are when you want your license

if you are young, then yes
if you are older, then no

check out kansas state driver handbook at the following link

http://www.ksrevenue.org/pdf/dlhb.pdf - mr. wong


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