The insurance companies usually want you to have an insurable interest in what you're insuring when you bind a policy with them. (Progressive is making you verify an insurable interest in the vehicle in question before allowing the purchase, based on other comments.) You don't actually have an insurable interest in that car until you have possession of it. Therefore, you're going to potentially have an issue with buying a policy. The N.O. policy gets you around that.

The other reason why an N.O. might be to your advantage: What if the deal with Carvana falls through but you find another option in a short period of time later? You'll have a policy that can be changed over no problem without having to shop again.

Your first mistake is going through Carvana. They like doing the whole "cart before the horse" shit.

Technically, you can have insurance as a named operator in this state. (Proof: I have a named operator policy with my insurer.) Most companies will have you go through a local agent to set this up, if they'll offer a Named Operator policy. Once you actually purchase a vehicle, you can add the car onto the policy and you're set.

If you don't wanna go the N.O. route, just get the VIN info from Carvana. You wanna know what the hell you're purchasing before you pull the trigger and buy, anyways. Besides, if you haven't received something like a Carfax from them, the VIN will give you a perfect excuse to get one from them. You definitely want to know the vehicle history, as it's something a lot of insurance companies use to determine your rate.

Moved to Erie from Arizona a year ago. Really like it here.

I would say that Erie is more like Cleveland or Buffalo than any part of PA just because of its proximity to Cleveland as opposed to Pittsburgh or Philadelphia.

So I actually did what you are thinking about doing last year. (Moved from Tempe to Erie.)

There are more than ten places in PA, first of all. I'd be curious about where you're considering. My guess is you either watched Briggs or Nick Johnson. While some of their points aren't wrong, you might not want to base your first impressions of PA off of a couple of jagoffs on the internet.

Yes, you might see an occasional dilapidated building, depending on where you go. Erie has quite a few compared to Tempe. However, my cost of living is substantially lower here and I don't think the crime is any worse here than what I saw in Tempe.

People in Erie for the most part are pretty decent, from what I've seen. You'll get the odd turd in the punch bowl anywhere you'd go. They're not any worse or more prevalent here.

Advice: Visit the area where you're looking to move for a few days in winter, especially if you're from the valley or (ugh) Tucson. See if you can handle colder weather and get a feel for whether this is a place for you.

Fourth Rehoboth.

I see that this got labeled a low-quality post. Considering that the subject of the post is a low-quality candidate with a low-quality Christmas ornament, I guess it's fair.