My experience so far with the "Your paperwork is ready" stage of pre-ownership boils down to one thing - I need to know the VIN number of my vehicle in order to finalize financing at my credit union and get a firm quote on my insurance.
One problem: the purchasing agreement does not state the VIN number (probably because it does not exist yet).
So here I am, #2641 Performance, ready to seal the deal, but since my delivery date is more than 90 days away (December or January), I cannot secure my loan yet. I also cannot apply for an initial loan, which I will re-apply for when the delivery date is in sight, due to lack of a VIN. And while my insurance company can give me a generic quote for the car, they cannot give me a firm quote without the VIN.
For us, loan approval is not a problem, nor is insurability. But without the ability to lock down both loan and insurance, I feel I am put at some level of risk.
I would like to know if any of you out there have experienced this quandary, and how you handled this awkward situation. . Forgive me if there are already posts on the subject - if so, please point me to them.
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