Mike,
When you buy a truck, they will sign the existing title over to you. Most states give you 30 days to apply for a new title. Late application penalties vary from State to State.
If you buy from a dealer, the truck will not be registered. If you buy a registered truck, the thirty day rule still applies.
You can get insurance without a CDL. Rates vary from around $600 to $1,200 per year depending on where you live, your driving record, value of truck, coverages, etc.
There should be a thread or two on truckconversion.net forums concerning insurance and registration. There are also some on the Escapees forum.
onezman
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