My Experiences with Registration and Insurance - Montana Edition
I did not expect to get to this point so quickly and easily, so I apologize for the excessive amount of bumps of this thread over the last couple days. But, I am now well on my way to getting registered and insured, all that remains is the waiting game. Tomorrow, I will ship off my packet to my Montana agent, and wait for the Montana DMV to issue me a title and a plate.
First, let's talk Montana registration. O-Prime already wrote up a great guide for this, so I will not go into a ton of detail here. If you need help filling out the various forms, he detailed it perfectly, here: https://dfkitcar.com/forum/index.php?threads/guide-montana-registration.1971/
- Get DF Kit Car to issue your MCO (Manufacturer's Certificate of Origin). They will issue it in YOUR name, not in your LLC's name. This is a fairly new development as I understand it, but it is NOT a problem.
- Hire a Montana agent (I used 49 Dollar Montana Registered Agent). Fill out the web form for "LLC with car or truck registration", pick your LLC name, and pay up ($849). Within two days, your LLC will be established and they'll send you the documentation. Beyond that, they will assume you're an expert and not offer any info on the next step. They will answer questions though.
- Fill out the top box on the back of your MCO, listing your LLC's name and the agent's address, along with the odometer reading. The agent will handle the rest of this.
- Download and print out Montana's Bill of Sale form MV24. Fill it out as detailed in O-Prime's guide. Then, to complete this requirement, take the form to a notary and have them notarize it. For me, my bank refused to do it, so I just went to Brimmer's and paid them $5 to do it. Some clarification here: you are, in fact, selling your kit car to your LLC for $0 here. You should have no problem putting zero dollars as the final sum. The reason my bank gave for refusing to notarize my form is, they did not feel comfortable notarizing an automobile sale for $0. At first, Brimmer's wouldn't notarize my form either, citing PennDOT being unwilling to recognize auto sales for less than $100; in PA, cars cannot be "gifted" apparently. I told the lady, "Look, I'll withdraw $100 from an ATM and hand it to myself if that's what you want, what I am doing here is selling my own car to my own LLC." Finally, she noticed the Montana logo on the header of the form and said "Oh, this is something else entirely, sorry I am just used to PennDOT's rules". Then she notarized the form.
- Download and print out Montana's Inspection Checklist: Unconventional Vehicles form MV70A. Fill this form out per O-Prime's guide, but be careful on #9 (ONLY check one box, not both). It is fine to sign this form, yourself.
- Download and print out Montana's Level 1 Vehicle/OHV Identification Number Inspection form MV20. (Updated link) Fill out the top part per O-Prime's guide, then have a member of law enforcement in your area come out to fill out the rest of the form. I thought this would be painful, but my local police were chill as hell about it; the officer filled out the form, shook my hand, and told me not to speed. Make sure you get either a business card from the officer (preferred) or a photo of his badge.
- Photocopy all the forms for your records, then ship all the ORIGINALS, plus your MCO and the officer's business card, off to the agent, addressed to your LLC name with their address.
- Wait.
Now, let's talk insurance.
I was able to secure insurance through Rally Insurance Group, Inc., underwritten by American Modern, for $482 per year which includes liability that matches my daily driver policy (apparently a thing in my state, PA) and a $1,000 deductible (my request). The stated value of the car is $20,000 and the policy covers 6,000 miles/year. You must also sign a Track Exclusion form (so no track use, which stinks, but ok!).
The insurance process was utterly painless. You need:
- The completed application (they will send it to you)
- Signed track exclusion (they will send it to you)
- A copy of the declarations page for your daily driver's policy
- Photos of the front, back, driver side, and passenger side of your Goblin
- Payment
In my case, I delivered items 1-4 in an email, and the insurance agent called me to complete payment. I paid over the phone with a debit card, but they can also use bank routing information if you prefer.
My agent's contact information is below. She is superb. ZERO trouble getting insurance. She also gave me permission to share her contact information, but don't consider it a referral, it's not. Just the handing off of the name of a helpful person!
So now, I play the waiting game. Current wait time for Montana registration is 35 days.
Hopefully, this along with O-Prime's guide and everyone else who has contributed to the knowledge of Montana registration and getting Goblin insurance, will get you where you need to be to drive legally. I will amend this post if any difficulties arise.
Good luck!!!