ELT: Digital Vehicle Titles

The Internet of Things has extended to so many things in our everyday lives. The idea behind the conversion is to increase convenience for quick, painless transactions. Within the last few years, states have begun using an electronic title instead of a paper title.

Not all states participate yet, while others require you to have an electronic title. Whether the ELT is mandatory or optional depends on your state’s guidelines. The new electronic title program is called ELT, or Electronic Lien and Title, or e-title programs.

The e-title is a digital record that replaces the paper copy of your title. The document serves the same purpose, to show ownership of the vehicle. The title contains personal information about the owner of the vehicle. The ELT system transmits information between lenders and the Department of Motor Vehicles (DMV.) The lien holders that are listed on titles are able to communicate digitally with the DMV. As a result of this system, paperless transactions can be used for the addition/deletion of lien holders on a title.

If you finance your vehicle when you purchase it, the lender will be listed on your title as a lien holder until the loan is paid off. The title will be held by the lien holder in digital format, if your state participates. Once you pay off the loan in full, the lien holder will submit a release of the lien to the DMV. Once this is complete, the lien holder is deleted from the title and an updated certificate is created. This makes the transaction faster.

Advantages of ELT:

  • Most companies have embarked on the journey of going paperless. One of the most obvious advantages is the positive impact on the environment this action could have
  • Reducing the amount of storage space needed
  • Ease of access to records
  • Helps prevent loss of paper title
  • Quicker to send titles digitally
  • Helps reduce fraudulent activities

Disadvantages of ELT:

  • If an owner wants to sell the vehicle, there may be a waiting period while the digital copy is transferred into a paper copy to be mailed out.
  • Not having a physical copy on hand when needed.

Fortunately, you can make a trip to the DMV to order a copy of your title. However, there is a fee. The cost ranges depending on your state. In Colorado, for example, it’s $20 to receive a copy of your title. Does your state participate in ELT?

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Shielding Your Dream: Essential Insurable Risks Every Small Business Faces

Protect your small business! Understand key insurable risks like liability, vandalism, theft, employee injuries, and business interruption, and how insurance can help.

Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need

What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.

The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy

Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.

Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes

Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.

Curious Origins: Unraveling the Stories Behind Everyday Phrases

Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!

The Unprotected Majority: Why Business Insurance Isn’t a Luxury, It’s a Necessity

Don’t gamble with your business! Learn why business insurance is a critical investment, not a luxury, and how affordable coverage can safeguard your future.

Declutter Your Life: Beyond the Physical to a More Streamlined Existence

Tired of clutter? Discover actionable tips to declutter not just your belongings, but also your finances and digital life for a more streamlined and stress-free life.

Decoding the Fine Print: 4 Essential Auto Insurance Terms You Need to Know

Demystify auto insurance! Understand the real meaning behind state minimums, uninsured motorist, no-fault, and full coverage to protect yourself on the road.

Apartment Living Made Easy: Essential Tips for a Smooth Move and Happy Tenancy

Moving into an apartment? Get smart with these essential tips on landlords, leases, parking, documentation, and the crucial need for renters insurance.

The Heart of the Game on Screen: Celebrating Iconic Sports Movies

Relive the magic of iconic sports movies like “Hoosiers,” “Field of Dreams,” “Brian’s Song,” and more, celebrating the unforgettable stories and moments they brought to the screen.